Consumer complaint received 2025-03-04 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XX/XX/year> To : XXXX XXXX XXXX ( XXXX, Equifax, XXXX ) Subject : Formal Notice and Demand for Deletion of Unverifiable Account Kohls/CapOne Charge-Off Case Reference : XXXX Deletion Confirmation Dear Credit Reporting Agencies, I am writing to formally advise you that a disputed account, specifically a KOHLS/CAPONE Charge-Off in the amount of {$630.00}, has been fully investigated and deleted from my XXXX credit report following a thorough investigation concluded on XX/XX/year>. 
Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, all consumer reporting agencies are required to ensure that only verified, accurate, and substantiated information remains on a consumers credit file. The removal of this account by XXXX demonstrates that this account could not be verified and was deemed unverifiable or inaccurate. Since the account was deleted from XXXX, you are now legally obligated to do the same unless you are able to independently verify the accuracy and validity of the account with proper documentation. 
Pursuant to the FCRA 15 U.S.C. 1681b and 1681e ( b ), you are required to ensure the maximum possible accuracy of the information you report. Reporting information that has been deemed unverifiable by one major consumer reporting agency creates a serious compliance issue, especially if such information is allowed to remain on my file. Any failure to remove this unverifiable account will constitute a willful violation of the FCRA and my rights as a consumer.

Furthermore, under 15 U.S.C. 1681i ( a ), you are required to conduct your own independent reinvestigation of the disputed information within 30 days of receiving this notice. If you can not provide documented proof from the data furnisher verifying the accuracy of this account, you are required to permanently delete the account from my credit report.

Please be advised that I am fully aware of my legal rights under the FCRA, the Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws. If you fail to comply with these federal laws by continuing to report this unverifiable and deleted account, I reserve the right to pursue legal action against your agency for the willful and negligent violations of my rights. Under 15 U.S.C. 1681n and 1681o, I may seek actual damages, statutory damages, punitive damages, court costs, and reasonable attorneys fees should you fail to comply.

This is my formal demand for the immediate removal of the XXXX XXXX from my credit file. I expect written confirmation of this deletion within 30 days or less from the date of this notice. Failure to respond accordingly will leave me with no choice but to escalate this matter, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal remedies in accordance with my rights under federal law. 
This letter serves as official notice under the FCRA and places you on formal notice of your obligations under federal law. 

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