Consumer complaint received 2024-12-09 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: GA

Complaint narrative:
Subject : Disputed Account Removal and Verification of Debt Request for Deletion from Credit Report To : All Credit Bureaus ( Experian, XXXX, XXXX ) I am writing to notify you that I recently disputed two charge-off accounts listed under my name with XXXX XXXX XXXX  on my XXXX credit report. After the dispute process, XXXX completed its investigation on XX/XX/year>, and completely deleted the accounts from my XXXX report. 

The disputed accounts in question were for the following amounts : {$590.00} account : XXXX {$760.00} account : XXXX As per the Fair Credit Reporting Act ( FCRA ), specifically Section 611, I am entitled to request the removal of any unverifiable or incorrect information from my credit report. Since XXXX has completely removed these charge-off accounts due to their inability to verify the debt, I believe it is in violation of consumer protection laws for these same unverifiable accounts to remain on my records with your agency. 

Given that XXXX has deleted these accounts due to their inability to verify the debt, I request that you conduct a thorough investigation into the matter and remove these unverifiable accounts from my credit report within 30 days or less. The Fair Credit Reporting Act ( FCRA ) mandates that you correct or delete any unverifiable information within a reasonable time frame. Failure to comply with this request could result in legal actions. 

I would also like to remind you of the following legal protections under the FCRA : Section 611 of the FCRA : If any information is disputed by the consumer, the credit reporting agency must investigate the claim and, if the information can not be verified, must remove it from the consumers report within 30 days.

Section 616 and 617 of the FCRA : If you willfully or negligently fail to comply with the requirements of the FCRA, I am entitled to pursue legal action, which may include suing for damages, as well as seeking statutory damages of up to {$1000.00} for willful violations. 
Section 605 of the FCRA : The removal of unverifiable debt is not only a right but a requirement. If information is found to be inaccurate or unverifiable, it must be deleted promptly.

Therefore, I respectfully request that you remove the two charge-off accounts from my credit report within 30 days due to their unverifiable nature. Should these accounts not be removed in the required timeframe, I will not hesitate to take legal action and will explore all available options to protect my rights under federal law. 

Please confirm the removal of these accounts in writing or by updating my credit report as soon as the investigation is complete. 

Thank you for your prompt attention to this matter. I look forward to your swift response. 

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