Consumer complaint received 2025-01-29 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Email : XXXX Phone : XXXX To : Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : Formal Request for Charge-Off Notification Proof & IRS Form XXXX Compliance Dear Credit Bureau Representative , I recently obtained my XXXXbureau credit report and was shocked by the inconsistencies in how each credit agency reports my financial standing. 

My XXXX  XXXX charge-off has been reported differently by all three bureaus, each painting a conflicting financial picture. Heres what I found : XXXX : Lists the account as Paid Charge-Off, with a last reported balance of {$620.00}. 
Experian : Reports it as Paid Charge-Off, but lists the balance as {$0.00} with no clarity on the charge-off date. 
XXXX : Shows the account as Charge-Off & Disputed, with a different reported amount of {$590.00} and ongoing reinvestigation in progress. 
Why is there no consistency? How can the same account reflect different balances, statuses, and charge-off dates across bureaus? This not only raises concerns about accuracy and fairness but also puts me at risk of misrepresentation to creditors and financial institutions. 

Legal Violations & My Rights Under the Law Failure to Notify Me of Charge-Off ( FCRA Violation XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) ) Creditors must notify consumers within 30 days when reporting negative information, yet I was never properly informed of this charge-off. 
I demand written proof that XXXX XXXX notified me before reporting this account as charged-off. 
Failure to Issue IRS Form XXXX ( IRC Violation XXXX XXXX. XXXX ) If XXXX  XXXX wrote off more than {$600.00}, they are legally required to issue IRS Form XXXX for tax reporting. 
If they reported this debt as a loss to the IRS, I am entitled to a copy of the XXXX form for my tax records. 
If no XXXX was filed, I demand a written letter stating this account was not reported as a canceled debt. 
Action Requested Provide proof that I was notified before this charge-off was reported. 
Verify and provide IRS XXXX XXXX or a letter confirming why it was not filed. 
Investigate and update my credit report to reflect accurate and consistent information across all bureaus. 
Explain why different balances and statuses appear for the same account. 
Failure to Respond Will Result in a CFPB & IRS Complaint If I do not receive a response within 30 days, I will escalate this matter to the CFPB, FTC, and IRS, highlighting these discrepancies as potential violations of federal laws. 

This is not just about fixing an errorthis is about holding credit bureaus accountable for reporting accurate and consistent information. 

If you have any questions, you may contact me at XXXX or XXXX. I appreciate your immediate attention to this matter. 

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