Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Complaint XXXX XXXX XXXX XXXX for XXXX Charge-Offs, Failure to Issue XXXX Forms, and Mishandling of Debt Accounts Dear CFPB, I am filing a formal complaint against XXXX, XXXX, located at XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, for XXXX handling of XXXX debt accounts, XXXX ( amount {$XXXX} ) and XXXX ( amount {$XXXX} ). I believe that XXXX has engaged in unlawful and deceptive practices that have caused significant harm to my credit and financial standing. 

XXXX. Multiple Charge-Off Reporting XXXX  has XXXX multiple charge-offs on my credit reports for these accounts, which is a violation of credit reporting laws under the Fair Credit Reporting Act ( FCRA ). A charge-off is a single event, but XXXX has XXXX reported it numerous times, severely damaging my credit profile. This misrepresentation of the status of the accounts should not be tolerated. 

Given the egregious nature of these multiple charge-offs, I am requesting the complete deletion of these accounts from all credit reporting agencies ( Experian, XXXX, and XXXX ) XXXX Simply correcting the errors or consolidating the charge-offs will not suffice, as the improper handling of this situation has already caused long-lasting harm. 

XXXX. Failure to Issue XXXX Forms XXXX has XXXX failed to issue IRS Form XXXX for the charged-off amounts, as required for debts over {$XXXX}. These charge-offs should have triggered the issuance of a XXXX, but I have yet to receive these documents. This failure to comply with IRS regulations raises questions about the legitimacy and handling of these accounts. 

XXXX. Continued Collection Efforts Without Verification Despite the accounts being charged off, I continue to receive collection efforts from XXXX without any valid proof of the debt. I have not been provided with : Full account history or itemization of charges. 
A copy of the original signed agreement related to these debts. 
Proof that XXXX has the legal right to collect on these accounts. 
Request for XXXX : XXXX and full deletion of these accounts from my credit reports, given the multiple charge-offs and unlawful actions. 
Investigation into XXXX failure to issue XXXX forms for charged-off debts. 
Confirmation that no further collection efforts will be made without proper verification of the debt. 
XXXX actions constitute a violation of both the FCRA and FDCPA, and I ask that the CFPB fully investigate these practices. Their conduct has caused significant harm to my financial standing, and only the complete deletion of these accounts can rectify this damage. 

I appreciate your prompt attention to this matter and look forward to a resolution that upholds my consumer rights. 

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