Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, FL XXXX Subject : Demand for Removal of Charge-Off from Credit Report and Violation of Federal Laws Dear XXXX XXXX XXXX XXXX XXXX I am writing to formally request the immediate removal of the charge-off reported on my credit file under account number [ XXXX ]. After thoroughly reviewing the details of this account and considering applicable federal laws, I believe this charge-off entry is being reported in violation of several consumer protection statutes, including 15 USC 1692c ( c ), 15 USC 1681 ( b ), and 15 USC 1635.

1. 15 USC 1692c ( c ) - Communication After Cease and Desist Request Under 15 USC 1692c ( c ), I have made prior requests for cessation of communications related to this debt. If I had previously notified you to cease communications, any subsequent collection activities related to this debt should have been discontinued in accordance with the Fair Debt Collection Practices Act ( FDCPA ). Therefore, I demand the removal of any reporting associated with this charge-off, as continued reporting after my cease and desist request is a violation of this statute. 
2. 15 USC 1681 ( b ) - Duty to Report Accurate Information Under 15 USC 1681 ( b ), it is the responsibility of creditors and debt collectors to ensure that all information provided to credit reporting agencies is accurate. Reporting this account as a charge-off is misleading and fails to reflect the true nature of the account, especially if it does not accurately represent the original terms of the agreement or contains errors regarding amounts owed, dates of delinquency, or payment history. 
If any incorrect information has been reported, I request that this charge-off be removed from my credit file, as required by the Fair Credit Reporting Act ( FCRA ). 
3. 15 USC 1635 - Right to Rescind Contracts In accordance with 15 USC 1635, I have the right to rescind any contract involving credit or loan agreements within three days of signing, provided certain conditions are met. If applicable, and if I was not properly informed of this right or if the agreement failed to meet necessary legal standards, I demand that the charge-off be removed from my report as the transaction could be invalid under these terms. 
Request for Immediate Action Given the above, I demand that you take the following actions immediately : 1. Remove the charge-off associated with [ Account Number ] from all credit reporting agencies.

2. Provide me with written confirmation that the charge-off has been removed from my credit report.

3. Cease any further collection efforts or reporting related to this account that violate the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 
Should you fail to remove this charge-off within 30 days of receiving this letter, I will have no choice but to file a formal dispute with the credit bureaus and, if necessary, take legal action to protect my rights under the Fair Debt Collection Practices Act and Fair Credit Reporting Act. 
Please provide a written response to confirm the actions taken regarding my request at the earliest. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX 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