Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Request for Removal of Unverifiable Account from My Credit Report Dear, Credit Reporting Department I am writing to formally notify you that the account in question, associated with XXXX XXXX  and listed as a charge-off, has been completely deleted from my XXXX credit report as of XX/XX/year>, following a dispute I filed. The account, originally showing a balance of {$1400.00}, was investigated, and XXXX concluded that the information could not be verified, resulting in the removal of the account from my credit file. As XXXX has already deleted this unverifiable account from my credit report, I respectfully request that you, as the credit reporting agencies, also take appropriate action and remove this account from my credit report. The information provided by XXXX XXXX  can not be verified, and under the Fair Credit Reporting Act ( FCRA ), you are required to report only accurate and verifiable information. Under the **FCRA** ( 15 U.S.C. 1681i ), you are obligated to investigate and remove any information that can not be verified within a reasonable time frame. Furthermore, under **15 U.S.C. 1681e ( b ) **, you are required to maintain accurate information in my credit report. As the information related to this account has not been verified and is now considered inaccurate, you must remove this derogatory mark within 30 days or face potential legal consequences. In addition to my rights under the FCRA, I am also protected under the **Consumer Credit Protection Act ( CCPA ) **, which ensures that my credit history is not damaged by unverifiable or incorrect information. If you fail to remove the unverifiable account within 30 days, I will be forced to take further action, including but not limited to filing a lawsuit for damages under the **FCRA**, and potentially pursuing legal claims for statutory damages and attorney fees. I kindly request that you update my credit report accordingly and provide written confirmation of the removal of this account. If this account is not removed within 30 days of receipt of this letter, I will consider all legal options available to me, including filing a formal complaint with the **Consumer Financial Protection Bureau ( CFPB ) ** and taking legal action against your agency. Please treat this matter with the urgency it deserves. I expect to hear from you within the next 30 days with confirmation that this account has been removed from my credit file. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX/XXXXXXXX ] XXXX I also want to request a 1099 form showing how they had a tax write off for the charge off of this account as well as I would like to request the procedure that took place for their investigation. 

CREDIT REPAIR XXXX  XXXX  INACCURACY Delete this account for inaccuracy because the Date last active has been illegally re-aged. 
Please send account Date last active to validate or investigate discrepancy HIGH BALANCE These inconsistent high balances violate the Fair Credit Reporting Act 's standards for accuracy in reporting.information must match identically across all bureaus per federal law. 

I am disputing the high balance amounts being reported for this account across the credit bureaus. 
I am disputing the high balance amounts being reported for this account across the credit bureaus. 
These inconsistent high balances violate my fcra rights

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