Consumer complaint received 2024-11-26 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: NC

Complaint narrative:
To : Credit Reporting Agency Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally notify the Consumer Financial Protection Bureau ( CFPB ) regarding the deletion of a charge-off entry on my XXXX credit report for the account associated with XXXX XXXX XXXX XXXX, which was disputed by me. After the dispute investigation was completed on XX/XX/year>, XXXX has deleted this account entirely from my report. 
This deletion, however, presents a critical issue : since XXXX has determined that the account is unverifiable and has deleted it from my XXXX report, I am requesting that the other Credit Reporting Agencies ( CRAs ) namely, XXXX, Experian, and XXXX also delete the unverifiable charge-off from their records. 
Relevant Consumer Protection Laws Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i, when a consumer disputes information on their credit report, the CRAs are required to investigate the claim. If the disputed information can not be verified, it must be removed from the credit report. This law grants consumers the right to ensure that their credit report is accurate and complete. Additionally, Section 1681e ( b ) of the FCRA mandates that CRAs maintain reasonable procedures to ensure the accuracy of the information they report. 
Since XXXX has completed the investigation and determined that the account can not be verified, I request that you apply the same standards and remove the account from your records. I urge the CRAs to complete this process within 30 days from the date of this letter. 
Legal Consequences of Non-Compliance If the account is not removed from my credit report within 30 days of this notice, I will consider pursuing my legal rights under the Fair Credit Reporting Act ( FCRA ), which gives consumers the right to sue for damages in cases of willful or negligent non-compliance. Under Section 1681n and 1681o of the FCRA, consumers may seek statutory and actual damages as well as attorney 's fees for violations of the law.

Additionally, I may choose to file a lawsuit to enforce my rights, as I have been harmed by the reporting of inaccurate or unverifiable information. It is crucial for my credit standing that this matter is addressed promptly and correctly, in accordance with the protections afforded to me under federal law. 
Request for Immediate Action I respectfully request the following actions : Removal of the unverifiable XXXX XXXX XXXX XXXX charge-off from my credit report within 30 days of receiving this letter, in accordance with the FCRA. 
Confirmation from the CRAs that this information has been removed, with a notice that the entry was deleted due to non-verification. 
If this account is not removed, an explanation of the continued presence of this unverifiable account, which would be in direct violation of my rights under the FCRA. 
Thank you for your prompt attention to this matter. Please inform me in writing once the necessary corrections have been made to my credit report. I look forward to resolving this matter quickly and amicably. 
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