Consumer complaint received 2025-01-03 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: OH

Complaint narrative:
Re : Dispute of XXXX XXXX Account No. XXXX Dear [ Credit Bureau ], I am writing to dispute the continued reporting of inaccurate information associated with the above-referenced XXXX XXXX account on my credit report. Despite my previous dispute, the account was verified as accurate. However, this verification is not valid, as it fails to address my specific concerns and comply with federal requirements under the law. 

Violation of Federal Laws 1. Inaccurate Reporting of Charge-Off Balances : Under federal tax laws and guidelines, any debt that has been charged off by a creditor should not continue to show a balance owed on the consumers credit report. Additionally, under 15 U.S.C. 1681c-2, as part of my rights under the Fair Credit Reporting Act ( FCRA ), I am entitled to the deletion of incomplete or inaccurate information. 
2. Failure to Provide 1099-C Documentation : As part of my previous dispute, I explicitly requested a copy of the 1099-C form that should have been issued if this account was indeed charged off and the balance written off. A 1099-C is required to be issued when a debt is canceled or forgiven, yet no such documentation has been provided to me. This failure to comply with my request further demonstrates a lack of transparency and adherence to legal obligations. 

Consumer Rights Under the Law Under the FCRA, I have the right to an accurate credit report. Information that is incomplete, inaccurate, or unverifiable must be corrected or deleted ( 15 U.S.C. 1681i ).

Under 15 U.S.C. 1681c-2, fraudulent or misleading reporting practices related to charged-off accounts are prohibited. 
The continued reporting of an inaccurate balance for a charged-off account is considered misleading and deceptive under the Fair Debt Collection Practices Act ( FDCPA ). 

Requested Action Given the failure to provide the requested 1099-C documentation and the continued inaccurate reporting of this account as a charge-off with a balance, I am requesting the following : 1. The immediate deletion of this XXXX XXXX account from my credit report with all credit reporting agencies. 
2. Written confirmation that the account has been removed and will no longer be reported. 

Supporting Documentation I have included the following documents to assist in your investigation : A copy of my credit report highlighting the disputed XXXX XXXX account. 
My previous correspondence requesting the 1099-C and disputing the account. 

Please provide a written response regarding the resolution of this matter within 30 days, as required by law. Failure to address this issue in compliance with federal regulations may leave me no choice but to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seek further legal action if necessary. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of the accounts deletion. Should you require any additional information, please contact me at [ your phone number ] or [ your email address ]. 

Sincerely, XXXX XXXX Last Four Digits of XXXX XXXX XX/XX/year> Let me know if any adjustments are needed!

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