Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing as a formal dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) regarding the inaccurate and/or unverifiable charge-off appearing on my credit report. The disputed account information is as follows : Creditor Name : XXXX XXXXXX/XX/XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> Legal Basis for Dispute & Demand for Verification Under the FCRA 611 ( 15 U.S.C. 1681i ), you are required to conduct a full reinvestigation of this charge-off within 30 days and provide me with documented proof of its accuracy. Failure to do so requires its immediate deletion per FCRA 611 ( a ) ( 5 ) ( A ).

1. Proof of Accuracy & Verification FCRA 609 ( a ) ( 1 ) & ( c ) ( 2 ) I formally request that you provide all documentation verifying this charge-off, including : A signed contract or agreement proving I was legally responsible for the debt. 
A full account history with an itemized breakdown of charges and payments. 
A statement from the original creditor confirming the charge-offs validity. 
If you can not provide these records from the original creditor, the law under FCRA 609 ( c ) ( 2 ) requires you to immediately delete this charge-off from my credit report.

2. Compliance with Reporting Standards FCRA 623 ( a ) ( 1 ) ( A ) All data on my credit report must be 100 % accurate and verifiable. Any information that is incomplete, misleading, or unverifiable must be removed immediately. 
If any part of this charge-off was reported inaccuratelysuch as the balance, date, payment history, or statusthen this entry is legally non-compliant and must be deleted under FCRA 1681s-2 ( a ) ( 1 ) ( B ).

3. Timeframe for Investigation FCRA 611 ( a ) ( 1 ) You are legally required to complete this investigation within 30 days.

If you can not verify this charge-off within 30 days, it must be permanently removed from my credit report per FCRA 611 ( a ) ( 5 ) ( A ).

Legal Liability for Non-Compliance Be advised that any failure to comply with the FCRA is a serious legal violation and will be met with immediate legal action. If this dispute is not resolved properly, I am prepared to seek damages under the following laws : FCRA 616 ( 15 U.S.C. 1681n ) Civil Liability for Willful Noncompliance If this charge-off is not removed or verified properly, I will pursue actual damages, punitive damages, and attorneys fees for willful FCRA violations .

FCRA 617 ( 15 U.S.C. 1681o ) Civil Liability for Negligent Noncompliance Any negligent failure to comply with this dispute will result in legal action for statutory damages.

Fair Debt Collection Practices Act ( FDCPA ) Violations If this charge-off is being reported by a third-party debt collector, I demand proof of their legal authority to report this account.

If this debt has been sold or reassigned, I demand full documentation under 15 U.S.C. 1692g ( FDCPA validation rules ). 

Final Demand & Next Steps If this charge-off can not be fully verified with proper documentation from XXXX XX/XX/XXXX/XX/XX/XXXX XXXX XXXX I demand its immediate removal. 
I expect a written response within 30 days, along with a copy of my updated credit report reflecting the corrections. 
If my dispute is ignored, mishandled, or denied without sufficient proof, I am prepared to take legal action against [ Credit Bureau Name ] for FCRA violations. 
This letter serves as formal notice of my dispute, and I am keeping records of all correspondence for potential legal proceedings. 
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