Consumer complaint received 2025-06-10 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:
XX/XX/XXXX To Whom It May Concern : Subject : Dispute of Inaccurate Charge-Off Accounts and Request for Verification under FCRA I am writing to formally dispute and request the removal of inaccurate charge-off entries currently being reported on my credit file. The following accounts are either factually inaccurate, unverifiable, or incomplete in violation of the Fair Credit Reporting Act ( FCRA ), which mandates that only accurate and verifiable information may be reported : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is completely inaccurate and unverifiable. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting Act ( FCRA ), particularly Sections 611 and 609, I request that you : 1. Investigate these accounts and delete any that are inaccurate, unverifiable, or incomplete.

2. Provide documentation verifying the validity of each of these charge-offs, including account opening dates, charge-off details, and creditor contact information.

3. Confirm whether an IRS Form 1099-C has been issued for any of these accounts and by whom, as this may indicate debt cancellation and affect the accuracy of the report. 



If the information can not be verified within the XXXXday period outlined in the FCRA, it must be removed from my credit report. Please send me an updated copy of my credit report upon completion of the investigation. 

Thank you for your attention to this matter. I look forward to your prompt response. 

* ( Report I received XXXX ) Report Number XXXX Date Generated XX/XX/XXXX XXXX BANK XXXX Account XXXX Updated The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. 

XXXX XXXX  Account XXXX Updated The item you disputed has been updated, which XXXX  include an update to the disputed information. Please review your report for the details. 

XXXX XXXX XXXX XXXX Account XXXX Remains The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

XXXX Account XXXX Verified and Updated The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 

XXXX XXXX Account XXXX Verified and Updated The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 

XXXX XXXX  Account XXXX Updated The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. 

XXXX XXXX XXXX Account XXXX Updated The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. 

What if I disagree with the outcome of this dispute? 
Contact the source of the information You have a right to contact the entity that originated the information and dispute with them directly. This is usually the company that provided you the loan or other credit, but could also be a collection agency or government office. The contact details for the source of each item of information are listed in your credit report. 
Add a Statement of Dispute A statement of dispute allows you to explain why you think the information is inaccurate or incomplete. The statement will appear on every copy of your credit report. Lenders and other businesses who view your credit report can read your statement and may ask you for more details or documentation as part of their application review process. To add a statement of dispute, enter the XXXXispute Center, choose the item in dispute, and select " Add a Statement '' from the menu of dispute reasons. 
Submit another dispute with new, relevant info If you have more information to support your claim, you can add it and submit a new dispute in the Dispute Center. You can also submit a new dispute with additional relevant information to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. 
File a Complaint You have a right to file a complaint about Experian or the company reporting the item, with the Consumer Financial Protection Bureau or your State Attorney General 's office. You may submit a compliant to the Consumer Financial Protection Bureau at consumerfinance.gov/complaint or by mail at Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX IA XXXX XXXX 
Dispute With Other Bureaus There are XXXX credit bureaus that report your credit information : Experian, XXXX XXXX XXXX. You should check all three credit reports to be sure that the information in each is complete and accurate. 

equifax logo XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX Disputes on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX Disputes on XXXX  Still have questions? 
Our Experian Dispute Specialists are available to assist you. When calling, use Report XXXX  XXXX. 
Customer Service Mon - Fri : XXXX to XXXX XXXX Contact us : ( XXXX ) XXXX Dispute Center How it works File your dispute online If you see an account, a piece of personal info or a public record that's inaccurate or incomplete on your Experian credit report, start a dispute online or by mail. 


We'll contact the data furnisher We'll review your documents, and see if we can resolve the issue. ( END ) The above report is fraudulent as per FCRA Laws because this company provided no information as to how these accounts were verified and have not provided any form written or otherwise to validate the accounts including : As a consumer, I have the right to understand the method of verification used. Therefore, I am requesting the following : XXXX. The specific method used to verify the accuracy of the XXXX XXXX XXXX XXXX  account. 


XXXX. The name, address, and phone number of the individual or department at XXXX XXXX XXXX XXXX  that Experian contacted during your investigation. 


XXXX. A copy or summary of the documentation provided by the data furnisher that you used to determine the accuracy of this account. 



If Experian is unable to provide proper verification, I request that this account be immediately deleted from my credit file in compliance with your responsibilities under the FCRA. 


I also have an authorized recording of Experian refusing to provide the verification information to me, but yet acknowledging my rights to be provided the information.

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