Consumer complaint received 2025-06-08 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: FL

Complaint narrative:
Equifax XXXX. Box XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX RE : Formal Dispute and Request for Verification FCRA 609 ( a ) ( 1 ), 611 ( a ), 613 ( a ) | Charge-Off Account Removal Request To Whom It May Concern : I am formally requesting a detailed procedural investigation and verification under my rights granted by the Fair Credit Reporting Act ( FCRA ), specifically Sections 609 ( a ) ( 1 ), 611 ( a ), and 613 ( a ). This request is in regard to inaccurate and unverified charge-off accounts listed on my consumer report. 

The accounts in question are : Creditor Name : XXXX XXXX Account Number : XXXX Date Opened/Reported : XX/XX/XXXX Creditor Name : XXXX Account Number : XXXX Date Opened/Reported : XX/XX/XXXX Creditor Name : XXXX XXXX, XXXX Account Number : * XXXX Date Opened/Reported : XX/XX/XXXX Creditor Name : XXXX XXXX Account Number : XXXX Date Opened/Reported : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Opened/Reported XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XX/XX/XXXX I am requesting that you provide all of the following in compliance with federal law : A copy of the original signed contract or application with my wet-ink signature. 

The full name, contact information, and method used to verify the account with the original data furnisher. 

An outline of your CRA procedures used to verify and investigate the information per 15 U.S. Code 1681i ( a ) ( 7 ) ( Procedural Request ).

If this account originated from public records, per FCRA 613 ( a ), you are legally required to provide the name and contact information of the courthouse or public source used to report this item. 

Provide any documentation regarding whether this debt was canceled or forgiven via a 1099-C, which would make it uncollectible and ineligible for continued reporting under IRS guidelines .

NOTICE OF NONCOMPLIANCE CONSEQUENCES : If you are unable to verify this account with original, signed source documentation and full procedural disclosure, you are required by 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) to delete the account from my credit file within 30 days.

Electronic verification or responses from third-party databases are not sufficient under federal law. 

If this item is not removed or properly verified within 30 days of receipt of this letter, I will file complaints with the : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) My States Attorney General I am also reserving my right to pursue legal action for continued inaccurate reporting in violation of the FCRA. 

Please respond in writing to the address above. Do not call me by phone. All future communications must be in writing only. 

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