Consumer complaint received 2024-12-19 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: GA

Complaint narrative:
Subject : Failure to Conduct a Proper Investigation of Disputes and Address 1099-C Non-Issuance by Collection Agency I am filing this complaint against XXXX, XXXX, and Experian for XXXX significant violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) : 1. Failure to Conduct a Proper Investigation of Disputed Information : On XX/XX/year>, I filed a dispute with XXXX regarding inaccuracies in my credit report. I explicitly requested a manual review of the disputed information due to its complexity. I provided clear supporting evidence, including highlighted copies of my credit report identifying the errors. However, Experian used the E-Oscar system to process my dispute electronically rather than conducting the manual review I requested. This process fails to ensure a thorough investigation, as required under the FCRA. 
The response I received was vague and did not provide sufficient detail regarding the methods, sources, or procedures used to verify the disputed information. My specific questions about the investigation process remain unanswered. 
2. Failure to Address 1099-C Non-Issuance by a Collection Agency : 3. Despite my dispute, Experian, XXXX, and XXXX continue to report this collection account without verifying its validity or requiring the collection agency to issue a 1099-C. This raises questions about the legitimacy of the debt and violates federal regulations. 
Account Name Account Number XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX As you can see by my attached credit reports and highlighted issues, this information is NOT CORRECT and NOT ACCURATE. Therefore, it must be DELETED IMMEDIATELY.

How much did the collection company pay for this item? I do not know, and neither does my credit report reflect such amounts. This is a clear violation of the F
CRA as this is not accurate or complete. DELETE THIS IMMEDIATELY!

Under the Fair Credit Reporting Act ( FCRA ) and the IRS guidelines, creditors or collection agencies are required to issue a 1099-C ( Cancellation of Debt ) when they cancel or forgive debt exceeding {$600.00}. Despite my repeated requests, has failed to provide a 1099-C or valid evidence that this debt is collectible and reportable.

Key Points of Dispute 1. Lack of Validation : I have requested proof that this debt is valid and collectable. To date, [ Creditor/Collection Agency Name ] has not provided adequate validation of the debt as required by the FCRA.

2. Failure to Issue 1099-C : If the debt has been forgiven or canceled in full or part, the creditor is legally obligated to issue a 1099-C and report this to the IRS. Their refusal or f
ailure to do so raises serious questions about the legitimacy of the reporting.

3. Violation of Credit Reporting Standards : Inaccurate reporting of debts that are forgiven, canceled, or unvalidated is a direct violation of the FCRA and IRS regulations.

Key Violations : 1. Failure to Conduct a Reasonable Investigation : o Experian violated 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) by failing to conduct a manual review of my dispute as explicitly requested.

o The use of E-Oscar resulted in an inadequate and incomplete investigation.

2. Failure to Provide Details of Investigation : o Experian failed to provide the methods, sources, and documentation used in their investigation, as required by 15 U.S.C. 1681i ( a ) ( 4 ) and 15 U.S.C. 1681i ( a ) ( 6 ).

3. Inaccurate Reporting and Failure to Address 1099-C Non-Issuance : o Experian, XXXX, and XXXX continue to report inaccurate information, violating my rights under 15 U.S.C. 1681e ( b ).

o The collection agencys failure to issue a 1099-C for canceled or forgiven debt violates IRS regulations and raises concerns about the accounts validity.

Company response to consumer: Closed with explanation