Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
To whom this may concern, I am writing to formally dispute the accuracy of a certain charge off account that appears on my credit report, as allowed under 15 USC 1681E ( J ) of the Fair Credit Reporting Act ( FCRA ). 

15 U.S. Code 1681b ( e ) ( 6 ) - Notification system by agencies that operate nationwide Each consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall establish and maintain a notification system for purposes of paragraph ( XXXX ) jointly with other such consumer reporting agencies. 

My point is that these credit reporting agencies are the ones that are responsible for notifying each other in order to update the reports to ensure accurate reporting across all of them, not me. But I must enforce this otherwise there will be no change. And from the looks of it, this is a violation for non compliance for not following their required procedures under the law and XXXX XXXX. 

Below I have provided the relevant details for your reference : ACCOUNT INFORMATION Creditor Name : XXXX XXXX Account # : XXXX Date of Charge-Off : XX/XX/2024 Reported Balance : {$500.00} **REMOVE THIS ACCOUNT DISCREPANCY DETAILS I dispute the accuracy of the charge-off information related to the account mentioned above. It is not consistent with my records and my understanding of the terms of this account. Furthermore, I have reason to believe that the reported balance and other details are not accurate. 

REQUESTED ACTION In accordance with 15 USC 1681E ( J ) of the FCRA, I formally request that the following actions be taken. 
XXXX a thorough investigation into the accuracy and completeness of the information reported. 
Verify the legitimacy of the charge-off status and reported balance. 
If any inaccuracies are discovered, correct or remove this information from my credit report promptly. 

I am fully aware that the FCRA mandates a XXXX period for the completion of the investigation and the provision of results. Additionally, I request that you provide written confirmation of any updates or corrections made to my credit report as a result of this dispute, as required by law. 

In addition, please remove all non-account holding inquiries over XXXX days old. If there is an open account inquiry, such as XXXX and XXXX XXXX, keep it on my report. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I emphasize my commitment to achieving an accurate and just representation of my credit history in line with the provisions of 15 USC 1681E ( J ). I trust that you will act expeditiously to address this matter and uphold the integrity of my credit report.

Thank you for your attention to this notice of dispute. I anticipate a swift resolution and the removal of any inaccuracies on my credit report. 

Thanks.

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