Consumer complaint received 2025-01-27 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX - XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Dispute of Charge-Off Reported by XXXX XXXX  XXXX SSN ( last 4 digits ) : XXXX Date of Birth : XX/XX/XXXX Account Number : XXXX Dear Experian Dispute Resolution Department, I am writing to formally dispute an entry on my credit report regarding a charge-off reported by XXXX XXXX XXXX XXXX. Under 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ), I request that you investigate this matter and provide verification of the accuracy of the charge-off. Specifically, I am requesting the following : 1. Detailed Payment History Please provide the detailed payment history for the account, including all payments, adjustments, fees, and any changes to the account balance.

2. Original Agreement or Contract Please provide the original agreement or contract that validates this account, including the terms, conditions, and any amendments or updates to the original agreement.

3. Evidence of Compliance with Charge-Off Procedures Please provide evidence of compliance with the charge-off procedures as outlined in the applicable regulations and XXXX XXXX  's internal policies . This includes proof of notification ( such as letters or communications ) sent to me regarding the charge-off, as well as any documentation showing that the charge-off was processed according to industry standards. 

The charge-off listed by XXXX XXXX XXXX  XXXX appears to be inaccurate because the charge off date the information being reported on my credit report indicates a charge-off status beyond the correct date, which I believe is both misleading and inaccurate. 

If the furnisher, XXXX XXXX  XXXX , is unable to provide sufficient evidence to support the current reporting of this account, I respectfully request that Experian delete or correct the erroneous information immediately to ensure that my credit report accurately reflects my credit history. 

Should Experian fail to respond appropriately or resolve this matter within the time frame required by law, I will consider escalating my concerns by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). I trust that Experian will take the necessary steps to ensure full compliance with the Fair Credit Reporting Act and resolve this issue promptly. 

Please find enclosed the following document to support my dispute : A screenshot of my credit report showing multiple charge off dates from XXXX XXXX  XXXX In accordance with the Fair Credit Reporting Act, I request that Experian conduct a thorough investigation within 30 days and update my credit file accordingly if the information is found to be inaccurate. Please provide me with a copy of the results of your investigation once completed. 

I respectfully request that you confirm receipt of this letter and notify me of any actions taken. Thank you for your 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