Consumer complaint received 2024-10-31 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: MI

Complaint narrative:
XXXX XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$6900.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$6900.00}. 
I have reviewed my credit report and noticed that there are charge-off accounts listed, but I have not received a Form 1099-C for this account as required by the IRS. According to IRS guidelines, a Form 1099-C should be issued when a debt of {$600.00} or more is canceled or forgiven. The lack of this form indicates that these accounts may not have been properly documented or that the debt has not been officially canceled. Please investigate this matter and ensure that my credit report reflects accurate information. I request that you provide me with any documentation you have regarding these charge-off accounts, including any 1099-C forms that may have been issue XXXX  XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$5200.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$5300.00}. 
I have reviewed my credit report and noticed that there are charge-off accounts listed, but I have not received a Form 1099-C for this account as required by the IRS.

According to IRS guidelines, a Form 1099-C should be issued when a debt of {$600.00} or more is canceled or forgiven. The lack of this form indicates that these accounts may not have been properly documented or that the debt has not been officially canceled. 
Please investigate this matter and ensure that my credit report reflects accurate information. I request that you provide me with any documentation you have regarding these charge-off accounts, including any 1099-C forms that may have been issued XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$6900.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$6900.00}. 
I have reviewed my credit report and noticed that there are charge-off accounts listed, but I have not received a Form 1099-C for this account as required by the IRS. According to IRS guidelines, a Form 1099-C should be issued when a debt of {$600.00} or more is canceled or forgiven. The lack of this form indicates that these accounts may not have been properly documented or that the debt has not been officially canceled. Please investigate this matter and ensure that my credit report reflects accurate information. I request that you provide me with any documentation you have regarding these charge-off accounts, including any 1099-C forms that may have been issued. 
XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I have reviewed my credit report and noticed that there are charge-off accounts listed, but I have not received a Form 1099-C for this account as required by the IRS. According to IRS guidelines, a Form 1099-C should be issued when a debt of {$600.00} or more is canceled or forgiven. The lack of this form indicates that these accounts may not have been properly documented or that the debt has not been officially canceled. Please investigate this matter and ensure that my credit report reflects accurate information. I request that you provide me with any documentation you have regarding these charge-off accounts, including any 1099-C forms that may have been issued XXXX  XXXX  XXXX. Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I have reviewed my credit report and noticed that there are charge-off accounts listed, but I have not received a Form 1099-C for this account as required by the IRS. According to IRS guidelines, a Form 1099-C should be issued when a debt of {$600.00} or more is canceled or forgiven. The lack of this form indicates that these accounts may not have been properly documented or that the debt has not been officially canceled. Please investigate this matter and ensure that my credit report reflects accurate information. I request that you provide me with any documentation you have regarding these charge-off accounts, including any 1099-C forms that may have been issued. 
XXXX XXXX XXXX  XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$6800.00}. 
I have reviewed my credit report and noticed that there are charge-off accounts listed, but I have not received a Form 1099-C for this account as required by the IRS. According to IRS guidelines, a Form 1099-C should be issued when a debt of {$600.00} or more is canceled or forgiven. The lack of this form indicates that these accounts may not have been properly documented or that the debt has not been officially canceled. Please investigate this matter and ensure that my credit report reflects accurate information. I request that you provide me with any documentation you have regarding these charge-off accounts, including any 1099-C forms that may have been issued. 
XXXX XXXX XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
have reviewed my credit report and noticed that there are charge-off accounts listed, but I have not received a Form 1099-C for this account as required by the IRS. According to IRS guidelines, a Form 1099-C should be issued when a debt of {$600.00} or more is canceled or forgiven. The lack of this form indicates that these accounts may not have been properly documented or that the debt has not been officially canceled. Please investigate this matter and ensure that my credit report reflects accurate information. I request that you provide me with any documentation you have regarding these charge-off accounts, including any 1099-C forms that may have been issued.

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