Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This information is inaccurate, incomplete, and unverifiable for the following reasons : 1. Lack of Required Documentation ( Form 1099-C ) : The creditor has not provided a legally required Form 1099-C for this debt cancellation. This form is crucial for determining the validity of the charge-off and any tax-related obligations.

2. Failure to Validate Debt : I have not received any validation documents, such as the original account agreement or detailed statements explaining the charge-off amount. Under the Fair Credit Reporting Act ( FCRA ) and the Texas Debt Collection Act ( TDCA ), it is required to validate debt before reporting it.

I have identified the following violations : 1. Failure to Validate the Debt : creditor failed to provide a Form 1099-C or validate the debt leading to discrepancies in the charge-off reporting as required by IRS regulations and the FCRA..

3. Failure to Conduct a Reasonable Investigation : o Despite my dispute, you failed to conduct a thorough investigation, as required under FCRA 611.

4. TDCA Violations : o Misrepresentation of the debts status and amount violates 392.304 of the Texas Finance Code.

List of Disputed Items : XXXX XXXX  Installment ( Account # XXXX ) o Opened : XX/XX/XXXX o Balance : {$0.00} o Issue : This account is reported multiple times under the same creditor and open date, creating duplicative and negative impacts on my credit report.

o Issue : The late payments are inaccurately reported. You have failed to provide statements or records supporting your reporting. 
XXXX. Unauthorized Credit Inquiries o 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 Installment Account # XXXX o Opened : XX/XX/XXXX o Balance : {$0.00} o This account was charged off and is no longer owed but is incorrectly reported with a balance due. 
XXXX. XXXX XXXX XXXX Account # XXXX o Opened : XX/XX/XXXX o Balance : {$0.00} o This account is duplicated on my credit report under the same creditor and open date. 
XXXX. XXXX XXXX Revolving Account # XXXX o Opened : XX/XX/XXXX o Balance : {$1600.00} o I dispute the missed and late payments on this account and have requested supporting documentation of all payments and missed payments since the account was opened. 
XXXX. Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were unauthorized, and I have repeatedly requested their removal, to no avail. 
XXXX. XXXX XXXX XXXX XXXX o Account Number : XXXX o Opened : XX/XX/XXXX o Balance : {$0.00} o Issue : This account was charged off, and I no longer owe money to this creditor. Despite this, it still shows a balance due on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  o Account Number : XXXX o Opened : XX/XX/XXXX o Balance : {$1600.00} o Issue : This account incorrectly reports that I have XXXX late payment. However, my XXXX report indicates XXXX late payments. 


XXXX. XXXX XXXX XXXX XXXX o Account # : XXXX o Opened : XX/XX/XXXX o Reported Balance : {$0.00} ( incorrectly showing as due ) o Issue : This account was charged off and I no longer owe money, yet it incorrectly shows a balance due. This violates FCRA 1681e ( b ) for failure to report accurate financial information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX o Opened : XX/XX/XXXX o Reported Balance : {$1600.00} o Issue : This account incorrectly reports XXXX late payment. In comparison, my XXXX report shows XXXX XXXXate payments, indicating a discrepancy in your reporting method, violating FCRA 1681e ( b ). 
XXXX. Inquiries from XXXX o Dates : XX/XX/XXXX and XX/XX/XXXX o Issue : Both inquiries are results of identity theft, which I never authorized. These unauthorized inquiries violate FCRA 1681b, as there was no permissible purpose for these hard inquiries.

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