Consumer complaint received 2025-09-18 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSC : XXXX D.O.B. XX/XX/XXXX XX/XX/XXXX To : LEGAL DEPARTMENT Experian XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Subject : Aggressive Dispute & Demand for Deletion Reinserted and Inaccurate Charge-Off Account with XXXX XXXX XXXX Account XXXX : XXXX ( XXXX XXXX XXXX ) To Whom It May Concern, This letter serves as a formal and final demand to permanently delete the above-referenced account with XXXX XXXX XXXX from my credit file. Your current reporting contains multiple violations of the Fair Credit Reporting Act ( FCRA ) and demonstrates a clear failure to uphold your legal duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ). 
Key FCRA Violations : 1. Reinsertion Without Notification This account was previously removed from my credit report but has now been reinserted without

providing me written notice within five business days, as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This is a clear violation of federal law and an unfair
credit practice. 
2. Inconsistent and Inaccurate Reporting Across Bureaus - XXXX  shows Charged off as bad debt with a last activity date of XX/XX/XXXX. 
- Experian reports the account as Charge-off with a last activity date of XX/XX/XXXX and claims a 'Completed investigation, ' despite my dispute. 
- Equifax falsely reports the status as CHARGED OFF ACCOUNT with a conflicting last payment date of XX/XX/XXXX, while other bureaus list XX/XX/XXXX. 

These discrepancies in last activity dates, comments, and payment history violate 15 U.S.C. 1681i ( a ) and prove the data is inconsistent, incomplete, and unverifiable. 
3. Failure to Remove Unverified Information Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if the information can not be verified, it must be deleted. This account remains on file without any legitimate or certified verification from the furnisher ( XXXX ), yet it continues to damage my credit standing. 
4. Misleading Payment History Your records inaccurately show a 'CO ' ( Charge-Off ) for Equifax in XX/XX/XXXX, while other months show OK status, further proving inconsistent and misleading data. 
DEMAND FOR IMMEDIATE ACTION : I hereby demand the permanent removal of this account from all three credit bureaus ( Experian, Equifax, and XXXX  ) within 15 days of receipt of this letter. Failure to comply will result in : - Immediate complaints filed with the Consumer Financial Protection Bureau ( CFPB )- Formal complaints to the Federal Trade Commission ( FTC ) - Litigation in federal or small claims court, where I will seek statutory damages, actual damages, and punitive damages as authorized by 15 U.S.C. 1681n and 1681o You are required to provide me with written confirmation of deletion and may not verify information that you know or should know to be inaccurate. 
I expect your full compliance and a corrected credit file promptly. No further delays will be tolerated. 

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