Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX Credit Bureau Name. 
Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Charged-Off XXXX  XXXX Accounts XXXX XXXX To Whom It May Concern, I am writing to formally dispute XXXX charged-off accounts reported by XXXX  XXXX Account number : XXXX and XXXX on my credit report. I have reviewed the information and found discrepancies in how these accounts are reported. Under the Fair Credit Reporting Act ( FCRA ) and other applicable laws, I am requesting an investigation into the accuracy of these accounts. 

Grounds for Dispute Failure to Provide Form 1099-C Notification : Per IRS regulations , creditors are required to issue Form 1099-C for canceled debts of {$600.00} or more. XXXX XXXX  failed to provide me with such a notification, suggesting that no cancellation of debt occurred or the reporting is inaccurate. If these debts were canceled or charged off and XXXX claimed a tax deduction, they are obligated to issue this form. 

Double Reporting and Potential Tax Write-Off : If XXXX  XXXX  received a tax benefit or write-off for these charged-off accounts, continued reporting of these accounts may constitute double recovery, which violates federal laws and regulations. I request clarification regarding how XXXX is treating these debts in its accounting records. 

Failure to Validate Debt as Required by Law : As of the date of this letter, I have not received sufficient validation of these debts. According to FCRA 611 [ 15 U.S.C. 1681i ], furnishers of information must ensure that reported information is accurate and complete. 

Experians History of Improper Reporting and Investigation of Disputes : I am aware that Experian has faced legal challenges, including lawsuits, for improper reporting of information and failure to adequately investigate consumer disputes. These practices undermine consumer protections guaranteed by the FCRA. As such, I am requesting that you apply the highest standard of care when reviewing my dispute to avoid any further violation of my rights. 

Request for Action I kindly request the following : Verification of the validity and accuracy of these accounts, including proof that the amounts are being reported correctly and fairly. 
Confirmation that XXXX XXXX followed proper tax and reporting requirements for the charged-off accounts. 
Deletion of these accounts from my credit file if the information can not be verified or is found to be inaccurate. 


Relevant Codes and Regulations FCRA 611 ( 15 U.S.C. 1681i ) : The right to dispute inaccurate or incomplete information. 
IRS Code XXXX : Requirement for creditors to issue Form 1099-C for canceled debts over {$600.00}.

FCRA 623 ( 15 U.S.C. 1681s-2 ) : The responsibility of furnishers to provide accurate information to credit bureaus. 


Complaint Notification Additionally, I am filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX XXXX handling of these accounts and Experians potential failure to uphold its duty under FCRA to properly investigate disputes. The lack of proper notification, potential misreporting, and failure to comply with federal regulations warrant further investigation. 

Please initiate an investigation into this matter and provide me with a written response within 30 days, as required by FCRA. I trust that you will act swiftly to address these concerns. 

Thank you for your prompt attention to this matter. Please confirm receipt of this dispute letter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX