Consumer complaint received 2025-05-20 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: NV

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX, NV XXXX ] [ XXXX ] [ XXXX ] Date : [ XX/XX/XXXX ] To : Dispute Department Experian P.O. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. Box XXXX, XXXX, GA XXXX TransUnion XXXX. XXXX XXXX, XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Charge-Off Violation of FCRA 602, 607 ( b ), 611 ; Request for Immediate Removal To Whom It May Concern, I am writing to dispute and formally demand the deletion of a charge-off inaccurately and inconsistently reported on my credit file by all three major credit bureaus. This item violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and fails to meet the standards of verifiable, accurate, and current credit reporting required by law. 



Account Details in Dispute : Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Date Opened : XX/XX/XXXX Reported as Charge-Off : Listed across Experian, Equifax, and TransUnion Account Status : No Closed Date listed account appears open despite being charged-off Inconsistent and Inaccurate Reporting : TransUnion : Last Reported XXXX XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Experian : Last Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Equifax : Last Reported XXXX XX/XX/XXXX Date of Last Activity : XX/XX/XXXX This account shows significantly inconsistent dates of last activity and last reported across bureaus. These discrepancies result in a materially inaccurate and misleading depiction of my creditworthiness in violation of FCRA 607 ( b ), 15 U.S.C. 1681e ( b ), which requires furnishers and CRAs to maintain maximum possible accuracy.

Violations of Federal Law : 1. FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) : Requires consumer reporting agencies to ensure maximum possible accuracy. Conflicting data across bureaus and the absence of a closed date on a charged-off account violates this statute.

2. FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) : Upon notice of a dispute, a bureau must conduct a reasonable reinvestigation and delete or correct the item within 30 days if it can not be verified. Without a uniform, verifiable record from the data furnisher, this charge-off fails that test.

3. FCRA 602 ( a ) : States consumers have the right to fair and accurate credit reporting. A charge-off with inconsistent and unverifiable information contradicts this principle.

4. FCRA 605 ( a ) ( 5 ) 15 U.S.C. 1681c : Restricts the time an adverse account may remain. If dates are manipulated or inaccurately reported, it could unlawfully extend the reporting period.

5. FDCPA 809 ( b ) 15 U.S.C. 1692g ( b ) ( if collected by a third party ) : Requires debt validation upon dispute. If this debt is or was with a collection agency and can not be properly validated, it must be removed.

Requested Action : I hereby demand that the credit bureaus immediately delete this charge-off account from my credit reports across Experian, Equifax, and TransUnion due to the following : Conflicting and unverifiable information Failure to comply with federal reporting requirements Lack of a closed date, indicating incomplete reporting Legal violations outlined above Please complete the reinvestigation within 30 days as required under FCRA 611, and send me written confirmation of your findings and any resulting changes. 



Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation