Consumer complaint received 2025-06-29 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: MD

Complaint narrative:
Your Name ] [ Your Address ] [ City, State ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] Experian P.O. XXXX XXXX XXXX, TX XXXX Subject : Dispute and Demand for Deletion under 15 USC 1681e ( b ), 15 USC 1681b, and 15 USC 1681s-2 Charge-Off Reporting Dear Experian Dispute Department, I am writing to formally dispute the accuracy and legality of a charge-off currently being reported on my Experian credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

The account in question is : Creditor : XXXX XXXX Bank Account Number : No account number listed Reported Amount : {$60.00} Date of Charge-Off XX/XX/year> Legal Grounds for Dispute Under 15 USC 1681e ( b ), you are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. Reporting this charge-off without proper verification of its accuracy, completeness, and legal standing violates this provision. 

Under 15 USC 1681b, a credit reporting agency may only furnish a consumer report with a permissible purpose. I do not recall authorizing or providing consent for this charge-off to be reported, and I hereby request that you provide the specific permissible purpose and documentation relied upon for reporting this account.

Under 15 USC 1681s-2, furnishers of information to consumer reporting agencies are required to provide accurate information and to investigate disputes. I am formally disputing the accuracy and legality of this charge-off, and you are required to notify the furnisher immediately so they may conduct a reinvestigation.

What I Demand 1. A full reinvestigation of this charge-off, including the original signed contract, payment history, and validation of the debt, along with verification that you have a permissible purpose for reporting it.

2. The name, address, and contact information of the furnisher who reported this information. Including a non electronic Signature 3. A written explanation of the permissible purpose you relied upon for reporting this charge-off under 15 USC 1681b .

4. Deletion of this charge-off from my Experian credit report if you can not fully verify its accuracy, completeness, and legality. 
If this inaccurate and potentially illegally reported information is not deleted within 30 days, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office for violations of the FCRA, and I will consider pursuing legal action under 15 USC 1681n and 1681o for damages, costs, and attorneys fees. 
Please complete your reinvestigation and provide a written response within 30 days as required by the FCRA. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX ( XXXX last name 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