Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hi, I have cut and paste the response the XXXX  clearly stating at the end of their response out right refusing to furnish a Validation of Debt letter. This is the law and my right, and XXXX should be held accountable for this violation. See below : The debt associated with the account ending in XXXX is valid. XXXX XXXX XXXX, XXXX, owns the account and has not sold it as of the date of this letter. For reference, we enclosed : Page 1 of 55 of the application ; the additional pages are not provided as they contain proprietary information and are unrelated to your request. The Cardmember Agreement The last three account statements Weve sent updated information to the credit reporting agencies We show your account was opened on XX/XX/XXXX, and no account information was reported before that date. The account was charged off on XX/XX/XXXX, due to non-payment. The debt has not been discharged. We reviewed your account and found that an update is needed for the reporting to the credit reporting agencies. Weve sent the updated information to the agencies for their records. The account should show : XXXX We updated the payment history for XX/XX/XXXX from XXXX to XXXX days past due and XX/XX/XXXX from XXXX to XXXX days past due We confirmed the remaining credit reporting agencies not reporting your account information or no update is necessary. We respectfully decline you request to stop reporting your account to the credit reporting agencies or delete the account. Allow sufficient time for the update, then request a new copy of your credit report. If you find an error, let the specific agency know. Heres the contact information for the four credit reporting agencies : XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX experian.com XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX transunion.com Your account is not eligible for Form 1099-C The Form 1099-C has not been issued on the account and is not warranted at this time. Please be advised that XXXX prepares and files tax forms pursuant to Internal Revenue Service ( IRS ) guidelines and not pursuant to a customer request. Such a form would only be prepared and filed under the appropriate circumstances. Based on the information you provided and Chases own internal review, we can not identify any circumstances warranting the preparation and filing of the requested Form 1099-C. You may be eligible for payment assistance Your account may be eligible for payment assistance. If you are interested, please contact our Internal Recovery ( IRU ) team at XXXX. They are available Monday through Friday XXXX XXXX. to XXXX XXXX. XXXX XXXX. There are no fees or charges billed prior to your account open date of XX/XX/XXXX. We decline your request for fee waivers. We deny violating any state or federal laws. This letter is sent only in response to your inquiry and is not an attempt to collect any outstanding debt. Unless you have additional concerns, we will not be responding to another request from you to validate your debt.

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 non-monetary relief