Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Notice of Dispute Regarding Inaccurate Credit Reporting Dear Sir/Madam , I am writing to formally dispute the accuracy of the information contained in my credit report. My name is XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. The last XXXX digits of my Social Security number are XXXX. 
The account in question is XXXX ) XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  It has come to my attention that a charge-off has been reported on my credit report. According to the law, charge-offs are considered income, and I should have received a 1099 form. However, I have not received a 1099 form related to this charge-off.

I believe that this charge-off is being inaccurately reported and is in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I request that you investigate this matter and remove the inaccurate information from my credit report promptly. 

Here are some relevant FDCPA laws that govern the reporting of charge-offs and the accuracy of information : 15 U.S.C. 1692e ( 8 ) - False or Misleading Representations : This section prohibits debt collectors from communicating or threatening to communicate credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

15 U.S.C. 1692e ( 10 ) - False Representation or Deceptive Means : This section prohibits the use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

15 U.S.C. 1692f - Unfair Practices : This section prohibits the use of unfair or unconscionable means to collect or attempt to collect any debt.

15 U.S.C. 1692g - Validation of Debts : This section outlines the requirements for debt validation and verification. Upon disputing a debt, the collector must cease collection until they provide verification.

15 U.S.C. 1681s-2 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies : This section of the FCRA mandates that information providers must report accurate information and correct and update information that they have furnished to a credit reporting agency that is not complete or accurate.

I respectfully request that you : Remove the inaccurate charge-off entry from my credit report.

Provide written confirmation of your actions regarding this dispute.

Please note that the law requires you to investigate my dispute and respond within 30 days. If the investigation does not resolve my dispute, please include a statement in my credit file and in future reports that the account is in dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX 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