Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Immediate Deletion Request - Account # XXXXXXXX XXXX XXXX XXXX Illegal Charge-Off Reporting ( Balance {$0.00} ) To Whom It May Concern, This is a formal demand for the immediate deletion of the following tradeline, which appears on my credit report and is being reported in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines : - Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX - Balance : {$0.00} - Status : Charge-Off It is legally impermissible to report a {$0.00} balance as a charge-off, as this constitutes an inaccurate and misleading status. A charge-off requires a balance due, and reporting both simultaneously is contradictory under Metro 2 and is considered factually inaccurate. 
No creditor can report a charge-off when there is no outstanding balance. This tradeline is harming my credit file and is clearly unverifiable and outdated. 
I demand the immediate deletion of this account from my credit profile. You have 15 business days to delete and confirm in writing. If you continue to report this account, I will file complaints with the CFPB and consider legal action.

XXXX XXXX XXXXXXXX XXXX XXXX XXXX Subject : Immediate Deletion - Unverified Collection Account # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  To Whom It May Concern, This is a legal demand for the immediate removal of the following collection account that appears on my credit report and is being reported in violation of the Fair Credit Reporting Act : - Collection Agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXXXXXX XXXX XXXX XXXX  Balance : {$480.00} I have not received any proper validation of this alleged debt. Under 15 U.S. Code 1692g ( b ) of the FDCPA and 15 U.S. Code 1681i ( a ) of the FCRA, a collection can not be verified or continue to be reported if : 1. No contract has been presented.

2. No itemized statement exists.

3. The debt was never legally validated or authorized to be reported.

4. There are no records of consent for collection. 
This is an unvalidated and improperly verified tradeline. If the original creditor ( XXXX ) has not confirmed and authorized this reporting with documented proof, you are in violation of the law by continuing to publish this item. 
You are now on notice. Delete this account immediately or be reported to the CFPB, FTC, and state consumer protection agencies. 

XXXX XXXX XXXX/ XXXX Subject : Formal Dispute - Illegal Reporting of Insurance Collection # XXXXXXXX XXXX XXXX  To Whom It May Concern, I am disputing the collection account listed below and am demanding its immediate deletion due to improper reporting and noncompliance with federal law : - Collection Agency : XXXX XXXX XXXX- Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX  - Balance : {$200.00} This is a non-credit-based collection related to an insurance matter. Reporting this type of debt on a credit report is inappropriate and not permitted under Metro 2 guidelines, which prohibit the inclusion of non-credit related debts that are unverifiable or unrelated to financial lending. 
Additionally, no proper validation or contractual agreement has been provided, and I never received formal documentation of this debt under FDCPA requirements. 
You are legally obligated to conduct a reasonable investigation under the FCRA and to remove any information that can not be 100 % verified. 
I expect the immediate deletion of this account. You have 15 business days to comply or I will escalate with a formal CFPB complaint and begin legal proceedings. 
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