Consumer complaint received 2025-02-27 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SSN : XXXX XXXX : XXXX Phone Number : XXXX XX/XX/XXXX Dear XXXX I am writing to formally dispute the charge-off status of my account, as reflected on my credit report. The details of the account in question are : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Charge-Off Reported : XX/XX/XXXX ( {$84.00} written off ) Current Status : Purchased by another lender Dispute Basis & Requested Validation 1 . Proof of Debt Ownership & Validation Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the following documents : A signed contract or agreement proving I consented to the original debt. 
A complete payment history showing how the balance was calculated. 
Proof that XXXX still owns the debt or documentation showing the legal transfer to another creditor.


2. Correction of Reporting Errors The credit bureaus have continued to report this charge-off despite my dispute. I am requesting confirmation that the information you reported is accurate and verifiable. If you can not provide verification, I request immediate removal from all credit reports.

3. Debt Transfer Information Since my credit report states that this account was purchased by another lender, I request : The name, address, and contact details of the current debt owner. 
A statement clarifying whether XXXX still has any authority over the account. 

Requested Actions If this debt can not be fully validated, I request that you remove the charge-off status from my credit report immediately. 
If this debt has been sold, I request documentation of the transfer and that XXXX cease reporting this account.

If an error was made in reporting, please update the credit bureaus accordingly. 

Under the FCRA, you are required to investigate this dispute and respond within 30 days of receiving this letter. If this issue is not resolved, I will consider filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

Please confirm receipt of this dispute in writing and provide the requested information at your earliest convenience. 

Sincerely, XX/XX/XXXX Dear Experian, I am writing to formally dispute an inaccurate charge-off account currently reported on my credit file. The details of the account in question are as follows : Creditor Name : XXXX XXXX Account Number : XXXX Account Type : Sales Contract Responsibility : Individual Date Opened : XX/XX/XXXX Status : Charged Off {$84.00} Written Off Status Updated : XX/XX/XXXX Balance : {$0.00} ( Updated XX/XX/XXXX ) Terms : 6 Months On Record Until : XX/XX/XXXX Basis of Dispute 1. Lack of Debt Validation Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) 1692g, I have the right to request proper validation of this debt. However, I have not received : A signed contract proving I legally owe this debt. 
A full breakdown of the charges leading to the charge-off. 
Documentation proving XXXX still owns this debt or verification of its transfer to another lender.

2. Inconsistent Reporting The charge-off is being reported despite the balance being listed as {$0.00}, which raises concerns about accuracy under FCRA 1681e ( b ). If the balance is paid or transferred, the charge-off status may not be correctly reported.

3. Ownership & Legal Compliance Issues The account is marked as purchased by another lender, yet I have not received any information identifying the new creditor. If XXXX no longer owns this debt, they may not have the legal authority to continue reporting it under FCRA guidelines XXXX 

Requested Action I request that Experian : 1. Immediately verify the accuracy of this account with supporting documentation, including a signed agreement, a detailed transaction history, and proof of ownership.

2. If the account can not be fully verified, I demand its removal from my credit report to comply with FCRA regulations.

As required under FCRA 1681i ( a ), I expect a full investigation to be completed within 30 days of receipt of this letter. If Experian does not correct this reporting error, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

Please confirm receipt of this dispute as soon as possible. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SSN : XXXX XXXX : XXXX Phone Number : 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