Consumer complaint received 2025-01-16 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:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX Subject : Demand for Removal of Inaccurate and Unverifiable Information Dear EXPERIAN I am writing to formally dispute the accuracy of information on my credit report as provided under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The information being reported regarding the following accounts is inaccurate and unverifiable and must be removed immediately in compliance with federal law : My Concerns and Legal Basis : 1. Verification of Accuracy ( 1681e ( b ) ) : Under the FCRA, credit reporting agencies must ensure the maximum accuracy of reported information. I request full documentation validating the disputed information.

2. Reinvestigation Requirements ( 1681i ( a ) ) : The FCRA mandates a reasonable investigation of disputed data. As part of this process, any information that can not be substantiated must be corrected or deleted.

3. Furnisher Obligations ( 1681s-2 ( b ) ) : The creditors reporting this information must verify its accuracy. If they can not provide evidence ( e.g., original signed contracts or payment records ), the information must be removed. 
4. Debt Collection Violations : For accounts reported by collection agencies, the Fair Debt Collection Practices Act ( FDCPA ) requires validation of the debt upon request. Failure to provide this validation makes reporting such information unlawful.

5. Timely Removal of Unverifiable Information ( 1681i ( a ) ( 5 ) ) : If the disputed information can not be verified within 30 days, it must be deleted immediately.

Requested Action : I demand the removal of the aforementioned items from my credit report. I also request that any unverifiable information be promptly deleted. Please provide documentation used to verify the information if you believe it is accurate. 
If this matter is not resolved in compliance with the FCRA, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General. I also reserve the right to pursue legal action under 1681n and 1681o for noncompliance. 
Enclosed are copies of my identification, supporting documentation, and a copy of my credit report with the disputed items highlighted. Please provide written confirmation of your investigation and the actions taken within 30 days. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XX/XX/XXXX XXXX XXXX Account info Account nameXXXX  Account XXXX Account XXXX Loan Responsibility Individual Date XXXX StatusAccount charged off. {$10.00}, XXXX written off. {$10.00}, XXXX past due as of XX/XX/XXXX. 
Status updatedOct XXXX Balance {$10000.00} Balance XXXX Recent payment- Monthly payment- Original balance {$15000.00} Highest balance - XXXX Months On record untilJul XXXX count nameXXXX XXXX Account XXXX Account typeSecured Card XXXX Individual Date XXXX StatusAccount charged off. {$250.00} past due as of XX/XX/XXXX. 
Status XXXX XXXX Balance {$250.00} Balance XXXX Recent payment- Monthly payment- Credit limit {$200.00} Highest balance {$250.00} Terms- On record untilXXXX XXXXXXXX Account info Account nameXXXX XXXX Account XXXX Account typeSecured Card Responsibility Individual Date XXXX StatusAccount charged off. {$300.00} written off. {$300.00} past due as of XX/XX/XXXX. 
Status updatedXXXX XXXX Balance {$300.00} Balance updatedXXXX Recent payment- Monthly payment- Credit limit {$500.00} Highest balance {$700.00} Terms- On record untilXXXX  XXXX Account info Account nameXXXX XXXX XXXX Account numberXXXX Account typeDebt Buyer Responsibility Individual Date openedXXXX StatusCollection account. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updatedDec XXXX Balance {$2000.00} Balance XXXX Recent payment- Monthly payment- Original balance {$2000.00} Highest balance - Terms1 Months On record untilXXXX XXXX Account info Account nameXXXX XXXX Account numberXXXX Account typeCell Phone Responsibility Individual Date XXXX StatusCollection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updatedOct XXXX Balance {$1400.00} Balance updatedXXXX Recent payment- Monthly payment- Original balance {$1400.00} Highest balance {$1400.00} Terms1 Months On record untilXXXX XXXX XXXX Account numberXXXX Account typeAuto Loan Responsibility Individual Date openedXXXX StatusAccount charged off. {$10.00}, XXXX written off. {$10.00}, XXXX past due as of XX/XX/XXXX. 
Status updatedXXXX  XXXX Balance {$10000.00} Balance XXXX Recent payment- Monthly payment- Original balance {$15000.00} Highest balance - Terms72 Months On record untilXXXX XXXX Account info Account nameXXXX XXXX XXXX  Account numberXXXX Account typeCredit card Responsibility Individual Date XXXX StatusAccount charged off. {$690.00} written off. {$690.00} past due as of XX/XX/XXXX. 
Status updatedSep XXXX Balance {$690.00} Balance updatedXXXX Recent payment- Monthly payment- Credit limit {$500.00} Highest balance {$690.00} Terms- On record untilFeb XXXX Account info Account nameXXXX XXXX Account numberXXXX Account typeSecured Card Responsibility Individual Date openedXXXX StatusAccount charged off. {$250.00} past due as of XX/XX/XXXX. 
Status updatedXXXX XXXX Balance {$250.00} Balance updatedXXXX Recent payment- Monthly payment- Credit limit {$200.00} Highest balance {$250.00} Terms- On record untilXXXXXXXX  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