Consumer complaint received 2024-03-08 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:
I am writing to inform you that all my debt has been discharged under the Bankruptcy Act of 1933, as per 18 USC 8. Due to my financial situation, I am unable to make any payments as mandated by HJR-192, and I have received Form 1099-C and Form 1099-A for the discharged debt.

I kindly request that you update your records accordingly and cease any further attempts to collect on the discharged debt. I understand the legal implications of the bankruptcy filing and am committed to complying with all applicable laws and regulations.

I am writing to bring to your attention the provisions of the Fair Credit Reporting Act ( 15 USC 1681 ) and the Truth in Lending Act ( 15 USC 1601 ) that outline consumer rights and protections in the financial and credit industries.

Under the Fair Credit Reporting Act, consumers have the right to accurate and fair credit reporting, including the ability to dispute inaccuracies on their credit reports and have them corrected in a timely manner. This law also governs how consumer credit information is collected, shared, and used by credit reporting agencies.

The Truth in Lending Act requires lenders to disclose key terms and costs associated with credit transactions, ensuring that consumers have access to clear and transparent information about their borrowing agreements. This law also sets forth regulations regarding credit advertising and billing practices to protect consumers from unfair or deceptive practices.

As a consumer, I am entitled to the protections afforded by these important federal laws. I ask that you comply with the requirements of the Fair Credit Reporting Act and the Truth in Lending Act in all interactions with me and provide me with any necessary disclosures and information as required by law.

I am writing to bring to your attention an issue regarding the discharge of my debt by your company. I recently learned that my debt was written off by your company, but I did not receive a Form 1099-C to report the discharged amount on my taxes.

I am writing to address a concern regarding the lack of my wet signature on documents related to the discharge of my debt by your company. As a consumer, I understand the importance of providing consent and authorization through a valid signature on legal documents, especially those pertaining to financial matters.

I recently became aware that my debt was written off by your company, but I have not provided my wet signature on any documentation related to this transaction. It is crucial that all parties involved in a financial agreement have a clear understanding and confirmation of the terms and conditions, which is typically indicated by a wet signature.

I kindly request that you review your records and ensure that all necessary documentation, including any agreements or authorizations related to the discharge of my debt, contain my valid wet signature. This is essential to protect the rights and interests of both parties and to ensure compliance with legal requirements.

If my wet signature is not on file or if there are any discrepancies in the documentation, I request that you provide me with the opportunity to review and sign the necessary paperwork to validate the transaction. Your cooperation in this matter is greatly appreciated and will help prevent any potential misunderstandings or disputes in the future.

Thank you for your attention to this important issue. If you require any further information or clarification from me, please feel free to contact me at the provided contact information. I have attached my consumer reports for lall the charges off accounts on my credit report.

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