Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
RE : Final Notice to Delete Inaccurate Charged-Off Account XXXX XXXX XXXX A final notice and follow-up to multiple formal complaints I have filed regarding the reporting of an inaccurate and unlawful charged-off account ( XXXX ) on my consumer credit file. This account is factually and legally incorrect, and your continued failure to remove it constitutes a willful violation of my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Consumer Financial Protection Bureau ( CFPB ) rules.


This account must be deleted based on the following : 1. FCRA 602 ( A ), 604, 611, 623 You are required to ensure all data reported is accurate and verified. This account is neither. 2. FCRA 607 ( b ) You must follow reasonable procedures to ensure accuracy, which you have failed to do. 3. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) If an item can not be verified within 30 days, it must be deleted immediately. 4. 15 U.S.C. 1681s-2 ( b ) XXXX, as a data furnisher, is required to investigate and correct or delete any inaccurate information.

5. FDCPA 807 ( 8 ), 809 Reporting a disputed debt without marking it as disputed is deceptive and illegal.

6. Use Code 001A Not mine 7. Use Code 001B Inaccurate account information 8. Use Code 002A Re-aged account 9. Use Code 003A Account paid before charge-off 10. Use Code 004A Duplicate account 11. Use Code 005A Invalid date of last activity 12. Use Code 006A Incorrect balance 13. Use Code 007A Account never late 14. Use Code 008A Identity theft involved 15. Use Code 009A Obsolete account ( 7-year reporting period exceeded ) 16. Use Code 010A Violates state/federal lending laws 17. Use Code 011A No documentation provided upon request 18. Use Code 012A Re-aged or continued reporting in bad faith DEMAND FOR REMOVAL & COMPENSATION DELETE this account immediately from all reporting agencies ( Equifax, Experian, XXXX ). 

Cease all future reporting of this account and issue confirmation in writing.

Compensate me for damages caused by false reporting, including harm to credit, loan denials, emotional distress, and opportunity losses. You are liable under 15 U.S. Code 1681n and 1681o for negligent and willful violations.

If I do not receive written confirmation of deletion and resolution within 15 business days, I will proceed with the following : File suit in state and/or federal court for FCRA, FDCPA, and defamation violations.

Seek statutory, punitive, and actual damages, as well as attorneys fees.

File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), State Attorney General, and the Federal Trade Commission ( FTC ).

This is not a request ; this is a formal legal demand backed by federal law. I have kept detailed records of all my previous communications.

Govern yourself accordingly.

Sincerely, XXXX 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