Consumer complaint received 2024-12-11 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: GA

Complaint narrative:
1.1 I am the undersigned, residing at XXXX XXXX XXXX XXXX, and I am over the age of XXXX. 
1.2 I am the person whose credit report is in dispute with XXXX, Experian and XXXX, regarding the reporting of a charge-off account with XXXX XXXX XXXX XXXX XXXX 

2. Purpose of this Affidavit 2.1 This affidavit is submitted to formally dispute the inaccurate, unverifiable, and inconsistent reporting of the aforementioned account. 
XXXX I assert that XXXX, one of the four major credit reporting agencies, has removed this account from my credit report as of XX/XX/XXXX, deeming it unverifiable following a thorough investigation. 

XXXX. Statement of Facts XXXX The account in question is identified as XXXX XXXX XXXX XXXX with an alleged charge-off amount of {$10000.00}. 
XXXX XXXX removed this account from my credit report after determining it was unverifiable during a dispute investigation. 
3.3 The Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ), requires all consumer reporting agencies to ensure the accuracy and verifiability of the information they report. 
3.4 Continuing to report this account as a charge-off when another major bureau has removed it due to lack of verification violates the principles of accurate and fair reporting. 
XXXX XXXX and XXXX have failed to provide me with sufficient documentation to verify this account despite my previous dispute submitted on XX/XX/XXXX, as required under 15 U.S.C. 1681g. 

4. Legal Basis for Removal 4.1 Under 15 U.S.C. 1681i ( a ) ( 5 ), unverifiable information must be deleted from a consumers credit file. 
XXXX XXXX removal of this account due to lack of verification demonstrates that the information reported by XXXX and XXXX is inconsistent and unverifiable. 
4.3 The continued reporting of this account violates the Fair Credit Reporting Act ( FCRA ) and potentially state consumer protection laws, including the Georgia Fair Business Practices Act ( O.C.G.A. 10-1-390 ). 
XXXX According to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), credit reporting agencies have a duty to conduct reasonable investigations and ensure accuracy in consumer reports. 

XXXX. Demand for Removal 5.1 Based on the above facts, I demand that XXXX and XXXX immediately remove the XXXX XXXX XXXX XXXX account from my credit report. 
XXXX I further demand that XXXX, Experian, and XXXX provide written confirmation of the removal and an updated credit report reflecting this change within 15 days of receipt of this affidavit. 

XXXX. Declaration 6.1 I declare under penalty of perjury under the laws of the United States of America and the state of Georgia that the foregoing is true and correct to the best of my knowledge and belief. 

Executed this XXXX day of XXXX, XXXX. 

XXXX XXXX XXXX and subscribed before me this XXXX day of 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