Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX : URGENT LEGAL DEMAND FOR IMMEDIATE REMOVAL OF OUTDATED ACCOUNTS AND CANCELLED DEBTS NOT DELETED Dear Sir/Madame I am formally disputing the continued reporting of the following accounts, which are illegally remaining on my credit report in violation of federal law : Creditor Name Account Number Date Opened DEPT OF ED/XXXX XXXXXXXX XX/XX/XXXX DEPT OF ED/XXXX XXXXXXXX XX/XX/XXXX DEPT OF ED/XXXX XXXX XX/XX/XXXX Legal Violations & Grounds for Immediate Removal The accounts listed above exceed the legal time limits for reporting, violating multiple sections of the Fair Credit Reporting Act ( FCRA ) and the Internal Revenue Code ( IRC ). 

FCRA Section 605 ( a ) ( 15 U.S.C. 1681c ) Negative information must be removed after 7 years from the date of first delinquency.

The above accounts exceed this time limit, making their presence unlawful.

FCRA Section 605 ( b ) ( 15 U.S.C. 1681c-2 ) IDENTITY THEFT & FRAUD PROTECTION I am formally requesting removal of these accounts under this section IRC 108 ( e ) ( 2 ) Canceled Debt Can not Be Collected or Reported : Creditor Name Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( FDCPA Section 809 ( 15 U.S. Code 1692g ) Debt Validation Rights ) These accounts were charged off and reported as canceled debt, they can not remain on my report under IRS and FCRA guidelines. 
The continued reporting of such accounts is illegal. 
15 U.S.C. 1681o Negligence & Non-Compliance Liability You have failed to comply with federal reporting laws. 
Your negligence in maintaining accurate credit data has already caused financial harm to me. 
If not resolved, I will pursue legal action, seek damages, and report this non-compliance to federal agencies. 
Required Action & Legal Consequences I demand immediate deletion of the accounts listed above. Failure to comply within 15 days will result in : A formal complaint to the CFPB, FTC, and state attorney general for FCRA violations. 
A potential lawsuit seeking damages under 15 U.S.C. 1681o and 1681n ( Willful Non-Compliance ). 
Reporting to IRS enforcement if charged-off accounts are still being illegally reported. 

Final Warning : Immediate Deletion Required This is your final notice. If these accounts are not immediately removed, I will escalate this matter legally. You are liable for statutory damages of up to {$1000.00} per violation, along with attorney fees, per FCRA law. 

Please provide a written confirmation that these accounts have been deleted and an updated credit report reflecting the correction. 

Sincerely, 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