Consumer complaint received 2025-02-10 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: MA

Complaint narrative:
To whom it may concern : According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of XXXX XXXX data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the XXXX XXXX reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. 

XXXX XXXX XXXX & XXXX Account number XXXX : Im seeing the account XXXX XXXX XXXX & XXXX with number XXXX is marked with a rating of CollectionOrChargeOff on my credit report. You said this account started on XXXX and had a last activity date of XXXX, but this isnt right. It needs to be deleted now. You also mentioned a verification on XXXX. As per 15 U.S.C. 1681, show me the info you used to verify this. And Id like proof of the {$XXXX} because I know I dont owe it. Just like in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), wrong info needs to be removed. 

XXXX  XXXX account number XXXX : The account XXXX  XXXX with the number XXXX, which is currently showing an inaccurate rating of CollectionOrChargeOff on my credit report. I kindly request that you delete this account immediately. Upon my review, I noticed that the account is recorded as opened on XXXX, with a date of last activity marked as XXXX. These details are incorrect, and I urge you to rectify this by removing the account entirely. Additionally, the last verified date is reported as XXXX. Under the Fair Credit Reporting Act, I am entitled to know how you verified this account. Please provide all the relevant information, as well as documented proof of the alleged balance of {$XXXX}, which I dispute. In XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), it was ruled that failure to correct inaccuracies violates consumer rights. XXXX v. XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) also upheld the consumers right to accurate reporting. Furthermore, XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) established the duty to delete unverifiable information. I trust you will address this promptly. 

XXXX XXXX  XXXX account number XXXX : this account XXXX XXXX  XXXX with number XXXX is showing up as CollectionOrChargeOff on my credit report, and thats incorrect. You mentioned it was opened on XXXX with the last activity on XXXX, but thats not right. This mistake is blocking me from achieving my goals, like getting approved for better financial options. Please remove this account, and also, I need proof that I owe {$XXXX} because XXXX confident I dont owe this. 

XXXX XXXX XXXX XXXX account number XXXX : the account XXXX XXXX XXXX XXXX with number XXXX is showing up as CollectionOrChargeOff on my credit report. According to your records, it was opened on XXXX with a date of last activity of XXXX, but Im sure this is incorrect. This mistake is getting in the way of my goals, like improving my credit to qualify for better opportunities. Please remove this account and provide documentation of the {$0.XXXX0}, as I do not owe this amount.

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