Consumer complaint received 2025-01-06 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: GA

Complaint narrative:
XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Account Removal or XXXX XXXXXXXX XXXX XXXX 
Account Number : XXXX Dear Experian, I am writing to formally dispute the accuracy of the information being reported on my credit file regarding the XXXXXXXX XXXX XXXX XXXXccount referenced above. This is my third round of dispute, and I respectfully request that you take immediate action to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Dispute Overview : The account in question shows a charge-off status with a past due balance of {$270.00}. This account has been reported as negatively impacting my credit for 63 months ( approximately five years and three months ) as of XX/XX/XXXX. Despite my previous disputes, I have yet to receive adequate validation of the reported balance or charge-off, nor has there been an appropriate update to reflect any possible payment or resolution. 
Here are the specific issues I am disputing and request to be investigated : 1. Inaccurate Charge-Off Reporting : The account is currently listed as charged off, with a balance of {$270.00} written off. However, I have not received any clear or verifiable documentation supporting this charge-off status. 15 U.S.C. 1681s-2 ( Responsibilities of furnishers of information ) mandates that information provided to credit reporting agencies must be accurate and complete. The absence of valid documentation regarding the charge-off raises concerns about the accuracy of this report. 

2. Failure to Properly Update Account Status : The payment history reflects a charge-off status with no corresponding explanation for the changes in the balance. The account has been marked " CO '' ( Charge-Off ) for 63 months, which I believe is inconsistent with my payment records. Under 15 U.S.C. 1681i ( Procedures in case of disputed information ), I am entitled to a thorough investigation, and inaccurate information should be corrected or removed from my credit report if it can not be verified. 

XXXX. Request for Debt Removal or Correction : In line with 15 U.S.C. 1681e ( b ) ( Duty of users of consumer reports to report accurate information ), I am requesting that you either : Remove the account entirely from my credit report if it can not be validated or substantiated. 
Update the account status to accurately reflect the true payment history, if the charge-off is found to be in error or unsupported by documentation. 
As this is my third round of dispute, I respectfully request that Experian immediately conduct a thorough re-investigation of this account. If the information can not be verified as accurate, I insist that the charge-off status and the negative entries be removed entirely, in compliance with 15 U.S.C. 1681i ( a ) ( Duration of investigation ). 

Request for Documentation : To further support my dispute, I request the following documentation : A detailed breakdown of the charge-off process, including dates and final resolutions. 
Proof of any attempts to collect on the account following the last payment date ( XX/XX/XXXX ). 
Any documentation of communications from XXXXXXXX XXXX XXXXXXXX or third-party collection agencies regarding this account. 
Please consider that under 15 U.S.C. 1681g ( Disclosures to consumers ), I am entitled to a copy of any records or documents you use to verify the accuracy of this information. 

Conclusion : If the requested documentation can not be provided within the required time frame, I respectfully request that the account be removed from my credit report. I trust that you will comply with the provisions of the Fair Credit Reporting Act and ensure that the information in my credit file is accurate and complete. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX 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