Consumer complaint received 2025-10-22 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: GA

Complaint narrative:
I am writing to file a formal complaint and dispute regarding an inaccurate, unverifiable, and legally noncompliant account being reported on my credit file. 

Account Information : Creditor Name : XXXX XXXX XXXX Account Number ( XXXX  ) : XXXX Balance : {$1000.00} Status : Charged Off / Written Off Reported Late Payments : Multiple months ( 120180 days ) Status Updated : XX/XX/XXXX I obtained this information from my Experian credit report generated on XX/XX/XXXX. 


-- - 1. Violation of FCRA 602A, 604, 609, and 611 Failure to Provide Proper Verification Under the Fair Credit Reporting Act ( FCRA ), particularly 609 ( a ) and 611, I have the right to receive proper verification and validation of any account reported on my credit profile. To date, no original signed contract, complete account-level documentation, or admissible evidence has been provided to prove this account is mine or that the reporting is accurate. 

A simple data match or name match does not satisfy legal verification standards. If the furnisher can not produce full proof of ownership and lawful reporting authority, the account must be deleted immediately under FCRA 611 ( a ) ( 5 ).

-- - 2. Violation of FCRA 623 Failure to Report Accurate and Complete Information The payment history reflects extended charge-off reporting and inconsistent balance information, which raises compliance issues under FCRA 623 ( a ) ( 1 ) ( A ). Reporting inaccurate or unverifiable information is a violation of federal law and constitutes grounds for immediate removal. 

Additionally, if the account was charged off, the reporting of ongoing late payments post-charge-off is impermissible and misleading to creditors, which further violates the CFPB 's guidelines on accurate credit reporting.

-- - 3. Violation of FDCPA 807 Misleading or False Representation If XXXX XXXX XXXX or any third party is attempting to collect or furnish data on this account, they are required to comply with the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable debt to credit bureaus constitutes false representation, especially when there is no validation of the alleged obligation.

-- - 4. Formal Demand for Immediate Action I hereby demand the following actions : 1. Provide full verification of this account including : original signed contract, complete payment history, and lawful chain of custody.

2. If full verification can not be provided within the timeframe allowed under FCRA 611, this account must be permanently deleted from my credit file.

3. Notify me in writing of the results of your reinvestigation.

4. Cease and desist any further furnishing of this unverifiable account if it can not be lawfully substantiated.

Failure to comply with these legal obligations will result in escalation of this complaint to the CFPB, FTC, and my state Attorney General, along with potential civil claims for damages under FCRA 616 and 617.

-- - 5. Notice of Intent This is an official notice. If the account is not removed or corrected within the legally required time, I will pursue further legal remedies, including filing a formal complaint and legal action for statutory damages.

I expect full compliance within the 30-day reinvestigation period required by law. 


-- - 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