Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX [ XXXX ] Date : XX/XX/XXXX Urgent Request for Immediate Removal of Charge-Offs from Credit Report Dear Credit Bureau Representative XXXX This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) concerning the inaccurate and unverifiable charge-offs on my credit report. These charge-offs are causing significant financial harm, and I am requesting their immediate removal within 4 business days due to their negative impact on my creditworthiness.

Per 15 U.S.C. 1681i ( a ) ( 5 ), if you can not verify these charge-offs with original documentation, they must be deleted immediately. 
Accounts in Dispute : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$3200.00} XXXX  XXXX, XXXX Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Original Creditor : XXXX XXXX, XXXX Amount : {$420.00} XXXX XXXX  Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Original Creditor : XXXX XXXX  Amount : {$150.00} XXXX  XXXX, XXXX Account Number : XXXX Date XXXX Charge-Off : XX/XX/XXXX Original Creditor : XXXX XXXX, XXXX Amount : {$9600.00} XXXX XXXX XXXX XXXX ( CLOSED ) Account XXXX XXXX XXXX XXXX Date of Charge-Off : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX Amount : {$14000.00} Legal Basis for XXXX XXXX XXXX Investigation FCRA 1681i ( a ) ( 5 ) Immediate Deletion of Unverifiable Information If these charge-offs can not be verified with original signed contracts, full account history, and lawful collection authority, the law requires their immediate deletion.

FCRA 1681s-2 ( b ) Furnishers Must Provide Proof or Request Deletion Creditors must provide factual evidence supporting these charge-offs. If they fail to do so within 4 business days, you are legally required to delete them.

FCRA 1681e ( b ) Duty to Maintain Maximum Accuracy A charge-off is not proof of a valid outstanding balance. Any misleading, outdated, or incorrect information must be corrected immediately.

Demand for Immediate Action I request that these charge-offs be removed within 4 business days, or you must provide : The original signed credit agreement.

A detailed payment history proving the debts accuracy.

Documentation proving the charge-off was legally reported under Generally Accepted Accounting Principles ( GAAP ).

Failure to comply within 4 business days will result in : A formal complaint filed with the CFPB, FTC, and my states Attorney General.

A potential legal claim for damages under FCRA violations.

Even if you do not remove these charge-offs within 4 days, per FCRA 1681i ( a ) ( 1 ), you are still legally required to complete your investigation within 30 days.

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