Consumer complaint received 2025-06-28 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: MA

Complaint narrative:
Dear Sir or Madam, I am writing to formally dispute inaccurate and incomplete information appearing on my credit report furnished by your agency. I have identified several charge-off and/or collection accounts that I believe are being reported with incorrect or unverifiable dates. Accurate reporting of these dates is crucial for determining the maximum permissible reporting period of these items under federal law. 
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I demand that you conduct a thorough reinvestigation of the following accounts. For each account listed below, I specifically request that you provide documented verification of the following information from the original creditor or furnisher : Date of First Delinquency ( DOFD ) : This is the date of the first missed payment that led to the charge-off or collection, which should not change even if the account is sold or transferred. This date is critical as it serves as the commencement date for the XXXX reporting period as outlined in 15 U.S.C. 1681c ( c ) ( 1 ) and 15 U.S.C. 1681c ( a ) ( 4 ) & ( 5 ), which states that accounts placed for collection or charged to profit and loss which antedate the report by more than seven years shall not be included in consumer reports. Furthermore, 15 U.S.C. 1681s-2 ( a ) ( 5 ) ( A ) requires furnishers of information to report the month and year of the commencement of the delinquency that immediately preceded the action ( e.g., charge-off or placement for collection ). 
Date of Last Payment : This refers to the most recent date a payment was successfully applied to the account.

Date of Charge-Off : This is the date the original creditor formally wrote off the debt as uncollectible. 
The specific accounts I am disputing are as follows : Account XXXX : Creditor/Collection Agency Name : XXXX XXXX XXXX XXXX 
Account Number : XXXX XXXX XXXX XXXX XXXX  Reported Status : Charge-Off Reason for Dispute : I am disputing the accuracy of the dates associated with this account. I require documented verification of the Date of First Delinquency, Date of Last Payment, and Date of Charge-Off to ensure compliance with permissible reporting periods under the FCRA. 
Account XXXX : Creditor/Collection Agency Name XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Reported Status : Charge-Off Reason for Dispute : I am disputing the accuracy of the dates associated with this account. I require documented verification of the Date of First Delinquency, Date of Last Payment, and Date of Charge-Off to ensure compliance with permissible reporting periods under the FCRA. 
Account XXXX : Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Reported Status : Charge-Off Reason for Dispute : I am disputing the accuracy of the dates associated with this account. I require documented verification of the Date of First Delinquency, Date of Last Payment, and Date of Charge-Off to ensure compliance with permissible reporting periods under the FCRA. 
Account XXXX : Creditor/Collection Agency Name : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Reported Status : Charge-Off Reason for Dispute : I am disputing the accuracy of the dates associated with this account. I require documented verification of the Date of First Delinquency, Date of Last Payment, and Date of Charge-Off to ensure compliance with permissible reporting periods under the FCRA. 

Account XXXX : Creditor/Collection Agency Name : XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX Reported Status : Charge-Off Reason for Dispute : I am disputing the accuracy of the dates associated with this account. I require documented verification of the Date of First Delinquency, Date of Last Payment, and Date of Charge-Off to ensure compliance with permissible reporting periods under the FCRA. 
Account XXXX : Creditor/Collection Agency Name : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Reported Status : Charge-Off Reason for Dispute : I am disputing the accuracy of the dates associated with this account. I require documented verification of the Date of First Delinquency, Date of Last Payment, and Date of Charge-Off to ensure compliance with permissible reporting periods under the FCRA. 
Account XXXX : Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Reported Status : Charge-Off Reason for Dispute : I am disputing the accuracy of the dates associated with this account. I require documented verification of the Date of First Delinquency, Date of Last Payment, and Date of Charge-Off to ensure compliance with permissible reporting periods under the FCRA. 
Account XXXX : Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Reported Status : Collection Account Reason for Dispute : I am disputing the accuracy of the dates associated with this account. I require documented verification of the Date of First Delinquency, Date of Last Payment, and Date of Charge-Off to ensure compliance with permissible reporting periods under the FCRA. 




Account XXXX : Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Reported Status : Collection Account Reason for Dispute : I am disputing the accuracy of the dates associated with this account. I require documented verification of the Date of First Delinquency, Date of Last Payment, and Date of Charge-Off to ensure compliance with permissible reporting periods under the FCRA. 
Account XXXX : Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Reported Status : Collection Account Reason for Dispute : I am disputing the accuracy of the dates associated with this account. I require documented verification of the Date of First Delinquency, Date of Last Payment, and Date of Charge-Off to ensure compliance with permissible reporting periods under the FCRA. 
Account XXXX : Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Reported Status : Collection Account Reason for Dispute : I am disputing the accuracy of the dates associated with this account. I require documented verification of the Date of First Delinquency, Date of Last Payment, and Date of Charge-Off to ensure compliance with permissible reporting periods under the FCRA. 
Account XXXX : Creditor/Collection Agency Name : XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX Reported Status : Collection Account Reason for Dispute : I am disputing the accuracy of the dates associated with this account. I require documented verification of the Date of First Delinquency, Date of Last Payment, and Date of Charge-Off to ensure compliance with permissible reporting periods under the FCRA. 




Account XXXX : Creditor/Collection Agency Name : XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX Reported Status : [ e.g., " Charge-Off, '' " Collection Account '' ] Reason for Dispute : I am disputing the accuracy of the dates associated with this account. I require documented verification of the Date of First Delinquency, Date of Last Payment, and Date of Charge-Off to ensure compliance with permissible reporting periods under the FCRA. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Furthermore, 15 U.S.C. 1681s-2 ( b ) imposes duties on furnishers of information to investigate disputed information and report back to the consumer reporting agency. Any information that can not be verified must be removed or corrected.

I expect a thorough investigation and a response from you within XXXX XXXX, as stipulated by 15 U.S.C. 1681i ( a ) ( XXXX ). Please provide me with the results of your investigation, including the verified dates for each account as requested above. If these dates can not be verified, or if they demonstrate that the reporting period has expired, I demand the immediate deletion of these accounts from my credit file. 
Thank you for your prompt attention to this matter. 
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