Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Dispute of Inaccurate Charge-Off XXXXXXXX XXXX / Account # XXXX Reported : {$2200.00} | Date Opened : XX/XX/XXXX | Status : Charged Off To Whom It May Concern : I am writing to formally dispute the inaccurate and unverifiable reporting of the above-referenced account on my consumer credit reports maintained by your agency. This account is listed as a charged-off revolving credit card with a balance of {$2200.00}, yet it contains multiple material inaccuracies and procedural violations that render the entire tradeline incomplete, inaccurate, and unverifiable under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), and applicable Uniform Commercial Code provisions.

Furthermore, I demand that you immediately delete this tradeline in its entirety unless you can provide strict proof of claim within XXXX  days, including all documentation required by law. 

SPECIFIC INACCURACIES & VIOLATIONS XXXX. Incomplete Account Number ( Masked as XXXX ) The account number is incomplete and masked, making it impossible for me to verify whether this account belongs to me or matches any known financial obligation. Under 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to assure maximum possible accuracy. Reporting a masked account number violates this duty and prevents proper identification. 
XXXX. No Progressive Delinquency Reporting ( Direct Jump to XXXX Days Late / Charge-Off ) The account shows no prior delinquency statuses ( XXXX, XXXX, XXXX, XXXX  days ) before being reported as charged off. This violates : * 15 U.S.C. 1681s-2 ( a ) ( 5 ) Furnishers must report the Date of First Delinquency ( DOFD ) and can not skip intermediate delinquency cycles. 
* XXXX XXXX XXXX XXXX ( XXXX ) Required sequential reporting of delinquency progression.Skipping stages misrepresents the account history and artificially inflates perceived risk. 
XXXX. Failure to Provide Notice of Negative InformationUnder 15 U.S.C. 1681s-2 ( a ) ( 7 ), the furnisher ( XXXX XXXX ) was required to send me written notice within XXXX  days of reporting negative information ( charge-off ). I never received any such notice no validation letter, no intent-to-report notice, no pre-charge-off communication. This is a willful violation of federal law. 
XXXX. No Evidence of XXXX Billing Cycle CompliancePer 15 U.S.C. 1666b ( TILA ), a creditor can not treat a payment as late unless a periodic statement was mailed at least XXXX  days before the due date. I received no statements, and thus no payment could legally be deemed late. Any late marks or charge-off based on non-receipt of statements are void ab initio. 
XXXX. Lack of Validation & Original Wet-Ink DocumentationI have never received debt validation under 15 U.S.C. 1692g. The furnisher has failed to provide : * Original signed credit agreement ( wet-ink contract ) * Complete account ledger from {$0.00} balance to {$2200.00} * Proof of assignment or chain of title * Date of last charge and last payment * Proof of mailing of statements and notices XXXX. Under UCC 3-308 ( Proof of Signatures & Status as Holder ), the debt is unsecured, and without proof of a perfected security interest or signed instrument, reporting constitutes defamation per se. 

XXXX LEGAL REQUIREMENTS BEFORE REPORTING A LATE PAYMENT ( All of which were violated ) Requirement Legal Basis Violation XXXX. Wait XXXX  days past due Industry Standard / FCRA No grace period honored XXXX. Ensure maximum possible accuracy 15 U.S.C. 1681e ( b ) Masked account #, no DOFD XXXX. Provide notice of negative info 15 U.S.C. 1681s-2 ( a ) ( XXXX ) No notice sent XXXX. Report Date of XXXX Delinquency 15 U.S.C. 1681s-2 ( a ) ( 5 ) Missing entirely XXXX. Maintain verifiable records 15 U.S.C. 1681s-2 ( b ) No documents produced YOUR OBLIGATIONS UNDER 15 U.S.C. 1681i ( CRA DISPUTE PROCEDURE ) Within XXXX  days, you must : XXXX. Conduct a reasonable investigation with the furnisher ( XXXX XXXX ). 
XXXX. Forward all relevant information ( this letter + attachments ) to the furnisher. 
XXXX. Delete the tradeline if the furnisher fails to verify with competent evidence. 
XXXX. Send me written results, including : * Investigation method * Documents relied upon * Name/contact of verifier at XXXX XXXX verified responses are insufficient I demand documentary proof, not automated system parroting. 

DEMAND FOR RELIEF IMMEDIATELY DELETE the XXXX XXXX  account ( XXXX ) from my credit files at all three bureaus, unless within XXXX  days you provide : XXXX. Original wet-ink signed application/contract XXXX. Complete general ledger ( every transaction from opening to charge-off ) XXXX. Proof of mailing of all statements ( XXXX days before due date ) XXXX. Proof of mailing of 1681s-2 ( a ) ( 7 ) negative information notice XXXX. Date of XXXX Delinquency and sequential delinquency reporting log XXXX. Validation of debt per 15 U.S.C. 1692g XXXX. Chain of title/assignment documents ( if sold ) Failure to comply will be construed as willful noncompliance with FCRA, triggering liability under 15 U.S.C. 1681n ( statutory + punitive damages ). 

NOTICE OF INTENT TO SUE & ESCALATION I am preserving all rights to : * File complaints with the CFPB, FTC, and my State Attorney General * Pursue private action in federal court for FCRA, FDCPA, and defamation * Seek actual, statutory ( {$1000.00} per violation ), and punitive damages This is not a request for verification this is a formal dispute and demand for deletion. Any stall tactics or boilerplate responses will be documented as bad faith. 
Govern yourselves accordingly. 
Sincerely,

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