Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
b'XXXX XXXX XXXX XXXX XXXX XXXX\nSSN Last 4: XXXXn\nExperian  \nXXXX XXXX XXXX XXXX XXXX XXXX   \n\nRE: Formal Notice of Violation and Demand for Immediate Deletion XXXX XXXX Accounts\n\nTo Whom It May Concern:\n\nThis letter serves as a **formal demand for immediate deletion** of the following accounts reported by **XXXX XXXX** currently appearing on my Experian credit report:\n\n- XXXX XXXX XXXX  Charged off XXXX XXXX XXXX XXXX XXXX  Charged off XXXX XXXX XXXX XXXX XXXX   Charged off XXXX   \n\nPursuant to my rights under the **Fair Credit Reporting Act (FCRA), 15 U.S. Code  1681**, I am requesting **immediate deletion** of these accounts based on the following violations:\n\n---\n\n1. **No Permissible Purpose to Report (15 USC  1681b)**\nYou are required by law to have a **permissible purpose** to obtain or report consumer information. I am formally requesting **written verification** of the original permissible purpose and the **original signed contract** bearing my **wet signature** authorizing XXXX or any third-party data furnisher to report these debts to Experian.\n\nNo such contract exists. The FCRA mandates that **failure to verify** the legitimacy of an account renders the data invalid and a **violation of my rights under 1681b and 1681e(b)**. Absent valid written authorization, this reporting is illegal.\n\n---\n\n2. **Inaccurate Monthly Charge-Off Reporting (FCRA Violation + FDCPA)**\nXXXX XXXX is reporting the same debt as **charged off** **each and every month**, which is a form of **re-aging** the debt and **falsely updating derogatory information**, in direct violation of:\n\n- **15 USC  1681s-2(a)(1)(B)**: Data furnishers must report information accurately.\n- **15 USC  1692e(8)** (Fair Debt Collection Practices Act): Prohibits furnishing credit information known to be false or misleading.\n- **15 USC  1681i(a)**: Experian must conduct a reasonable reinvestigation if information is disputed.\n\nBy allowing continual monthly charge-off updates on a static debt that was already charged off in XXXX, you are knowingly participating in **furnishing patently false data**, constituting **continued defamation of character and reckless endangerment of credit standing**.\n\n---\n\n3. **Failure to Conduct Reasonable Investigation (15 USC  1681i)**\nI am asserting that the above-referenced accounts are being reported inaccurately, incompletely, and without lawful substantiation. You are **now on formal notice** that you must:\n\n- **Immediately delete** these unverifiable accounts;\n- Provide me with the name, address, and documentation of the furnisher;\n- Provide the **original wet-ink signed contract** verifying my agreement with XXXX;\n- Or face legal action for failing to comply within the statutory period.\n\n---\n\nLegal Demand for Immediate Action:\nIf these accounts are **not permanently deleted** within 15 calendar days of receipt of this notice, I will pursue all available legal remedies, including:\n\n- Filing a formal complaint with the **Consumer Financial Protection Bureau (CFPB)**;\n- Filing a complaint with the **Federal Trade Commission (FTC)**;\n- Seeking monetary damages for **willful noncompliance** under **15 USC  1681n** and ** 1681o**, which allow for statutory damages, actual damages, punitive damages, and attorneys fees.\n\n---\n\nFinal Warning:\nYou have been formally notified under **federal law**. This is your one opportunity to correct your violations without the involvement of federal regulators or civil litigation. I expect **written confirmation of deletion** within 15 days.\n\nSincerely,  \nXXXX XXXXn\nCC: CFPB, FTC, Legal Counsel  \nEnclosures: Copy of ID, Proof of Address'

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