Consumer complaint received 2025-05-08 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:
RE : IMMEDIATE DEMAND FOR REMOVAL OF INACCURATE AND UNVERIFIED ACCOUNT ( XXXX ) AND INFORMATION The Following are Full Removal ( Closed Accounts ) XXXX. XXXX a. Account : XXXX XXXX. XXXXXXXX XXXX XXXX a. Account : XXXX XXXX. XXXX  XXXX a. Account : XXXX XXXX. XXXX  XXXX a. Account : XXXX XXXX. XXXX XXXX a. Account : XXXX XXXX. XXXX XXXX  a. Account : XXXX XXXX. XXXX XXXX  a. Account : XXXX XXXX. XXXX XXXX XXXX XXXX. Account : XXXX XXXX. XXXX XXXX a. Account : XXXX XXXX. XXXX  a. Account : XXXX XXXX. XXXX XXXX a. Account : XXXX The Following is Full Removal ( No contract at All, No knowledge of Account ) XXXX. XXXX a. Account : XXXX The Following is Paid in Full and Needs to reflect Accurately XXXX. XXXX XXXX XXXX a. Account : XXXX The Following is Full Removal XXXX. XXXX XXXXXXXX XXXX XXXX  XXXX a. Reference number XXXX ________________________________________ To Whom It May Concern : This correspondence serves as my formal demand for the immediate removal of the account ( s ) listed above from my consumer credit report. This demand is made per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

________________________________________ 1. No Contractual Agreement Exists/ No Original Creditor Authority XXXX a. Account : XXXX I do not have a valid or lawful contract with the debt collector or third-party agency reporting these accounts. If these account was purchased, assigned, or otherwise acquired by any party claiming to be a debt collector or debt servicer, I require the original contract that : Bears my original, wet-ink signature ; Expressly authorizes the party to report on or collect this alleged debt ; and Includes a proper chain of assignment, starting with the original creditor and continuing unbroken through any and all successors, purchasers, or agents, clearly identifying the legal authority to collect and report. 

If such contract and chain of assignment can not be produced, then any reporting to consumer reporting agencies violates 15 U.S.C. 1681b, as the entity has no permissible purpose and no lawful standing. 

________________________________________ 2. FDCPA Failure to Validate Debt Per 15 U.S.C. 1692g ( b ) XXXX. XXXX a. Account : XXXX XXXX. XXXX XXXX XXXX a. Account : XXXX XXXX. XXXX  XXXX a. Account : XXXX XXXX. XXXX  XXXX a. Account : XXXX XXXX. XXXX XXXX a. Account : XXXX XXXX. XXXX XXXX  a. Account : XXXX XXXX. XXXX XXXX  a. Account : XXXX XXXX. XXXX XXXX XXXX XXXX. Account : XXXX XXXX. XXXX XXXX a. Account : XXXX XXXX XXXX  a. Account : XXXX XXXX. XXXX XXXX a. Account : XXXX I have previously disputed this debt in writing. Per 15 U.S.C. 1692g ( b ), debt collectors are required to cease all collection efforts and reporting activity until the debt is fully validated. That includes : Itemization of the amount claimed ; Name and contact of the original creditor ; Proof of ownership or assignment ; and Contract bearing my original wet signature. 

To date, no such lawful validation has been presented. 
________________________________________ XXXX. Payment Made via Financial Instrument Failure to Acknowledge XXXX XXXX XXXX a. Account : XXXX GEORGIA XXXX XXXX XXXX. Account : XXXX These accounts have been satisfied in full through a lawful financial instrument/security previously tendered in good faith. The creditors or servicers failed to either ( a ) properly apply this payment toward the alleged obligation or ( b ) return the instrument within a reasonable period if not accepted. 

This constitutes satisfaction and full discharge of the alleged debt per applicable Uniform Commercial Code provisions and equitable maxims.

Per 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), data furnishers must not report inaccurate or incomplete information. Continuing to report a balance on an account that has been lawfully settled violates this obligation. Additionally, 15 U.S.C. 1681e ( b ) mandates credit bureaus maintain " maximum possible accuracy '' which includes accurately reflecting accounts paid in full. 

Accordingly, these items must be marked as paid in full with XXXX balance, or removed entirely if the debt was extinguished. 
________________________________________ XXXX. FCRA Impermissible Reporting Under 15 U.S.C. 1681b XXXX XXXX XXXX Account : XXXX The account listed does not represent an open account with me, and there is no ongoing relationship or consent to report this information. Under 15 U.S.C. 1681b, any party reporting must have a clear, present, and permissible purpose. I demand that you identify what documentation was used to determine this account as valid and associated with me.

Please be advised that pursuant to 15 U.S. Code 1681c-2 of the Fair Credit Reporting Act ( FCRA ), a consumer may submit a written statement and appropriate documentation of identity theft, and there is no statutory requirement that a police report be filed in order to compel a consumer reporting agency to block or remove fraudulent information. While a formal identity theft report may assist in the process, Experian is still required to conduct a reasonable investigation and block the disputed information within four business days upon receiving the consumers statement and documentation. Refusal to act absent a police report is a misapplication of law and may constitute a willful violation of federal consumer protection statutes. 
________________________________________ XXXX. Third-Party Agencies and Attorneys Have No Legal Standing If the reporting or collecting party is an attorney or third-party collection agency : They can not act as both simultaneously per FDCPA standards. 
I do not have a contract with them. 
I demand the contract between the original lender and the collection party specifically stating their right to collect and report on this alleged debt. 
________________________________________ XXXX. Account XXXX : XXXX XXXX XXXX XXXX XXXX. XXXX a. Account : XXXX XXXX. XXXXXXXX XXXX XXXX  a. Account : XXXX XXXXXXXX XXXX XXXXXXXX a. Account : XXXX XXXX. XXXX  XXXX a. Account : XXXX XXXX. XXXX XXXX a. Account : XXXX XXXX. XXXX XXXX  a. Account : XXXX XXXX. XXXX XXXX  a. Account : XXXX XXXX. XXXX  XXXX XXXX XXXX. Account : XXXX XXXX. XXXX XXXX a. Account : XXXX XXXXXXXX XXXX  a. Account : XXXX XXXX. XXXX XXXX a. Account : XXXX The accounts in question are closed, and I no longer have any ongoing contractual obligation or legal liability regarding it. As the primary party once associated with the account, I assert that its continued reporting serves no permissible purpose under current law, particularly where there is no delinquency, balance due, or open status. 

Per 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy. Reporting a closed account with no outstanding obligation misrepresents the current state of my credit profile and constitutes willful or negligent noncompliance with federal law.

Additionally, per 15 U.S.C. 1681c ( a ) ( 4 ), the Fair Credit Reporting Act provides that closed accounts with no adverse information must be excluded and should not continue to factor into creditworthiness assessments. 

Accordingly, this accounts status as closed is an additional basis for its immediate and permanent removal. 

Furthermore, these accounts are being inaccurately reported as charged off, despite being closed and no longer lawfully collectible. Reporting a charge-off in this context falsely implies a loss or failure to pay when no enforceable obligation exists. This constitutes material misrepresentation and violates 15 U.S.C. 1681e ( b ) by failing to ensure maximum possible accuracy. I demand these charge-off labels be removed immediately and the accounts be removed in full.

________________________________________ 7. Dismissed Bankruptcy No Legal Effect, Must Be Removed XXXX XXXXXXXX XXXX XXXX XXXXXXXX a. Reference number XXXX The record of a dismissed bankruptcy appearing on my credit report is both legally inaccurate and improperly prejudicial. A dismissal does not constitute a finding of insolvency, does not discharge any debt, and has no adverse legal effect against me. Therefore, the continued presence of this item on my credit file is false and unlawful. 

Per 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies must ensure the maximum possible accuracy of all information they report. The inclusion of a dismissed bankruptcy implies legal action and insolvency where none exists, violating this statutory requirement and misleading any potential creditor or third party. 

Further, maintaining such a record constitutes willful and negligent noncompliance with the FCRA, especially when the public record itself the dismissal confirms no relief was granted, no debt was discharged, and no ongoing obligation or judgment exists. 
Unless the agency can produce conclusive legal documentation that a bankruptcy was both filed and resulted in a discharge, this item must be removed immediately from all reporting databases to avoid continued violation of federal law. 

________________________________________

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