Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
To Whom It May Concern, This letter is being submitted as a formal dispute under the Fair Credit Reporting Act ( FCRA ), Section 611, and you are hereby put on notice. I am demanding the immediate investigation and permanent removal of the following inaccurate and unverifiable accounts and inquiries from my credit profile.

The following accounts are being reported in violation of the FCRA : 1. XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Charge-Off This account shows a XXXX balance yet is still being reported as a charge-off, which is inaccurate and misleading. This violates FCRA accuracy standards and XXXX XXXX compliance guidelines. 



2. XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Charge-Off Another XXXX-balance charge-off. If the debt has been resolved, this derogatory status must be removed. Continued reporting is unlawful. 



3. XXXX XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Status : Charge-Off This account is being reported without proper validation from the original creditor. Under FDCPA and FCRA, you are required to verify the legitimacy and accuracy of all reporting. 



4XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$400.00} Status : Collections No original contract, no signed agreement, no itemized breakdown of the debt has ever been provided. This is a clear violation of the verification requirements under the FCRA. 



5. XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$620.00} Status : Collections This alleged collection is unverified and possibly re-aged. Re-aging a debt is a direct violation of the FCRA and XXXX also trigger legal consequences. 



6. XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$490.00} Status : Collections This collection is being reported without sufficient evidence that I owe this debt or that you are legally authorized to report it. The burden of proof is on the furnisher and the CRA. 


These inquiries were not authorized by me in writing as required by Section 604 of the FCRA. Reporting these without permissible purpose is illegal and must be rectified immediately. 


FINAL WARNING : You have 30 days to investigate and correct these entries. If not, I will take legal action and file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state attorney generals office for failure to comply with the FCRA. 

I expect a response confirming deletion of the above-listed accounts and inquiries within 30 days. Failure to do so will result in further legal escalation. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation