Consumer complaint received 2025-04-07 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX XX/XX/XXXX Re : Request for Removal of Unverifiable Debt from Credit Report- Account Numbers- XXXX and XXXX Dear Transunion. Equifax and Experian I hope this letter finds you well. My name is XXXX XXXX XXXX and I am writing to formally request the removal of an unverifiable account that is currently reported on my credit file. I recently reviewed my credit report from XXXX, where a charge-off accounts from the following XXXX XXXX XXXX XXXXAccount numberXXXX and XXXX were listed. Upon investigation, XXXX completed the dispute process on XX/XX/XXXX and the account was fully deleted in compliance with consumer protection laws. 

According to the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i ( Investigation of Disputed Information ), when an item on a consumers credit report is found to be unverifiable or inaccurate during a dispute, it must be removed or corrected. Since Innovis has removed this account from my credit report, and the information provided by XXXX XXXX XXXX XXXX account numberXXXX and XXXX Were deemed unverifiable, I am requesting that you conduct an immediate investigation of the account listed on your reports and delete this unverifiable information from my credit file. 

Furthermore, as the account has been deleted by XXXX, it has been effectively verified as inaccurate, which obligates your agency to remove this account under the same protections granted by the Fair Credit Reporting Act ( FCRA ). Section 1681i ( a ) ( 5 ) of the FCRA stipulates that when an account is deleted by another credit reporting agency, that information can not continue to be reported.

I respectfully request that you remove this unverifiable charge-off from my credit report within 30 days. If you fail to do so, I will be forced to consider further actions to protect my rights as a consumer. 
Please be aware that as a consumer, I am protected under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the Consumer Financial Protection Act ( CFPA ), which empower me to take legal action should inaccurate or unverifiable information remain on my credit report. If this matter is not resolved promptly and the unverifiable debt is not removed, I reserve the right to pursue legal action, including seeking damages for any harm caused by the continued reporting of this incorrect information. 
I trust that you will take swift and appropriate action in accordance with the law. Please notify me in writing of your decision, and provide me with the necessary documentation confirming that this account has been removed from my credit report. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 
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