Consumer complaint received 2025-08-05 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: OH

Complaint narrative:
Subject : Immediate Action Required Formal Dispute of Erroneous Charge-Off Reporting To Whom It May Concern, I am writing to dispute the accuracy and validity of a charge-off entry currently reported on my credit file by Experian. This item is associated with account numbers XXXX and listed by XXXX XXXX XXXX  This letter serves as a formal demand for reinvestigation and deletion of this inaccurate item. As defined by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are legally obligated to conduct a timely and thorough reinvestigation within 30 calendar days of receiving this notice. Failure to comply would constitute a direct violation of federal law.

Further, under FCRA 1681e ( b ) and 1681s-2 ( a ) ( 1 ) ( A ), you are required to maintain the maximum possible accuracy of the information in my credit file. Reporting unverifiable or incomplete data violates these provisions.

Per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, debt collectors must provide complete verification of any debt upon request. I require documentation directly from the original creditornot from third-party collectors or data aggregators.

I am specifically demanding : Complete documentation bearing my signature, validating a legal obligation to repay.

Verification directly from the original creditor.

Identification and contact details of the data furnisher responsible for reporting this item.

A record of the procedures and protocols you followed to verify the accuracy under FCRA.

In FTC v. TRW Inc., the courts ruled that agencies must delete data they can not verify. Moreover, CFPB guidelines prohibit the retention or display of unverifiable consumer data. Continued reporting of this charge-off without sufficient substantiation reflects willful noncompliance and negligence.

Final Notice Before Regulatory Escalation : If Experian can not verify this item using legally sufficient documentation, I demand its immediate and permanent deletion. Should Experian fail to comply, I am prepared to escalate this matter by filing formal complaints with the following authorities : The Consumer Financial Protection Bureau ( CFPB ) for violations of FCRA and FDCPA.

The State Attorney Generals Office, to report persistent noncompliance with consumer protection laws.

The Federal Trade Commission ( FTC ) for investigation into unfair and inaccurate credit reporting practices.

Any continued reporting of this charge-off will be considered willful defamation of my creditworthiness. I reserve the right to seek civil litigation and statutory damages for harm resulting from this failure to act in accordance with federal law.

Experian has 15 calendar days from receipt of this letter to comply before I initiate regulatory and legal escalation without further warning. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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