Consumer complaint received 2024-12-18 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Unverifiable Debt Following XXXX Deletion Dear Sir/Madam, I am writing to formally inform you that the disputed charge-offs from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX were recently deleted from my XXXX credit report after a dispute was initiated. The investigations were completed on XX/XX/year>, and the accounts were completely removed due to being unverifiable. 
The details of the disputed accounts are as follows : XXXX XXXX XXXX : {$46000.00} Charge-Off XXXX XXXX XXXX XXXX XXXX {$15000.00} Charge-Off According to XXXX XXXX, these accounts were deleted from my report as they were unable to be verified. As such, I respectfully request that you, as the Credit Reporting Agencies ( CRAs ), take the necessary action to remove these unverifiable debts from my credit report as well. The Fair Credit Reporting Act ( FCRA ) requires that all information on a credit report must be accurate and verifiable, and since XXXX has deleted these accounts, they can no longer be reported as valid or accurate. 
If XXXX has removed these accounts completely from my report, I believe it is your responsibility to do the same. The FCRA mandates that when a disputed account can not be verified, it must be removed from the consumers credit report. The relevant sections of the FCRA include : Section 1681i ( a ) ( 1 ) ( A ) : Requires that a credit reporting agency conduct a reasonable investigation and remove any unverifiable or inaccurate information.

Section 1681e ( b ) : States that a credit reporting agency must ensure the accuracy of the information it reports. 
Therefore, I respectfully urge you to investigate these accounts, as required by law, and remove them from my credit report within 30 days of receiving this notice. 
If the unverifiable debt is not removed within 30 days, I am entitled to take further action as outlined under the Fair Credit Reporting Act ( FCRA ), including the possibility of legal action. Under FCRA Section 1681p, if a credit reporting agency fails to comply with the provisions of the FCRA, I may have the right to sue for actual damages, statutory damages of up to {$1000.00}, and attorney fees.

Additionally, under Section 1681n, if there is willful non-compliance, I may be entitled to punitive damages.

Please consider this letter as a formal request for the immediate removal of the unverifiable accounts from my credit report. Failure to do so will leave me no choice but to pursue legal remedies as allowed under the FCRA. 
I look forward to receiving confirmation that these items have been removed within the 30-day timeframe. 
Thank you for your prompt attention to this matter. 
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