Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Subject : Dispute of Inaccurate Charge-Off Reported on My Credit Report Dear Sir/Madam, I am writing to formally dispute the charge-off reported by [ Creditor 's Name ] ( Account Number : [ Account Number ] ) on my credit report issued by your agency. I believe this information is inaccurate and is being reported in violation of the Fair Credit Reporting Act ( FCRA ), which requires that credit information must be accurate, verifiable, and up-to-date. 
Disputed Item : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Disputed Entry : Inquiry Reason for Dispute : I dispute the accuracy of the charge-off and inquiries listed on my credit report. The account in question was [ state the nature of the error, e.g., " paid in full, '' " settled for less than the full amount, '' " closed without a charge-off, '' etc. ]. I believe this account is being inaccurately reported as a charge-off. 
Under the Fair Credit Reporting Act ( FCRA ), Section 609, I request that you conduct a thorough investigation into this matter and provide me with the results of your findings. If the charge-off can not be verified or is found to be inaccurate, I ask that you immediately remove this entry from my credit report, as it is negatively impacting my creditworthiness. 
Requested Action : 1. Investigate the charge-off entry with the original creditor ( or furnish the relevant documentation supporting the charge-off ). 
2. If the charge-off can not be verified or is found to be inaccurate, remove this entry from my credit report. 
3. Provide written confirmation of the investigation 's outcome, including any updates to my credit report. 
Please send me a copy of my updated credit report after the dispute has been resolved. I have enclosed a copy of my identification and proof of address for verification purposes. 
I expect this issue to be resolved within the 30-day period mandated by the FCRA. If you require any additional information or documentation, please let me know at your earliest convenience. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution of my dispute. 
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