Consumer complaint received 2025-01-23 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:
Dear Experian, I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX XXXX XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$6900.00}. 
I previously disputed this account stating : ''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. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$5300.00}. 
I previously disputed this account stating : 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. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
In light of the CFPB lawsuit filed against Experian on XX/XX/XXXX, I respectfully request that you conduct a thorough investigation, as required by the Fair Credit Reporting Act. Please do not accept the findings of any furnisher who hasn't provided comprehensive and detailed results. I ask that you share the specifics of your investigation, including the furnishers response, via mail.

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