Consumer complaint received 2025-03-30 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: RI

Complaint narrative:
Dear Experian, Subject : Dispute of Inaccurate Information in Credit Report I am writing to formally dispute inaccurate information on my credit report, as provided by your agency. In accordance with the Fair Credit Reporting Act ( FCRA ) and Rhode Island state laws, I request an immediate investigation and correction of the following items : XXXX. XXXX XXXX Account Number : XXXX o Inaccuracy : This account is reported as Charged Off XXXX. XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Inaccuracy : This account is reported as Charged Off XXXX. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Inaccuracy : This account is reported as Charged Off XXXXXXXX XXXX XXXX Bank Account Number : XXXXXXXX XXXX Inaccuracy : This account is reported as Charged Off Since these accounts have been Charged Off, they are considered Profit Loss and/or Income that needs to be reported to the IRS. In order to do so, I would need a copy of the 1099c which I have not received from either company. 
Under the FCRA, you can seek statutory damages if a creditor furnishes inaccurate, incomplete, or unverifiable information to the credit bureaus and fails to correct it after you dispute it. Statutory damages typically range from {$100.00} to {$1000.00} per violation, and you may also be entitled to actual damages, attorney 's fees, and court costs if the violation caused you harm. If the creditors actions are found to be willful, you may pursue punitive damages as well. 
XXXX. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 This is the primary federal law regulating credit reporting agencies and furnishers of credit information. Key sections include : 1681s-2 ( a ) : Requires furnishers ( creditors, lenders, etc. ) to provide accurate information to credit bureaus.

1681s-2 ( b ) : Mandates furnishers to investigate consumer disputes within 30 days.

1681n & 1681o : Allows consumers to sue for willful or negligent violations, including statutory damages of up to {$1000.00} per violation, plus attorneys fees and court costs. 
XXXX. Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 This law applies to third-party debt collectors and prohibits them from reporting false information to credit bureaus. If a collector reports inaccurate information, they may be liable under the FDCPA.

3. Truth in Lending Act ( TILA ) - 15 U.S.C. 1601 TILA requires lenders to provide clear terms about credit accounts, and violations of its disclosure requirements can sometimes impact credit reporting disputes. 
XXXX. Consumer Financial Protection Bureau ( CFPB ) Regulations The CFPB enforces FCRA compliance and investigates consumer complaints against credit bureaus and furnishers. Consumers can file disputes directly with the CFPB if their credit disputes are ignored. 
XXXX. State Credit Reporting Laws Some states have additional protections beyond the FCRA, such as stricter deadlines for responding to disputes and higher penalties for violations. 

Requested Action : Conduct a thorough investigation into the disputed items. 
Remove the inaccurate information promptly. 
Provide me with an updated copy of my credit report reflecting these changes. 
Inform any parties that have received my credit report in the past six months of these corrections. 
Please find enclosed copies of relevant documents supporting my dispute. I expect a response within 30 days, as mandated by the FCRA. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RI 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