Consumer complaint received 2025-01-19 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: LA

Complaint narrative:
To Whom It May Concern, I am writing to formally request that XXXX and the Consumer Financial Protection Bureau provide the necessary documentation to verify the accuracy of the charge-off listed on my Experian credit report. Specifically, I am requesting the following : A copy of the IRS Form 1099-C issued for the charge-off, as required by federal law.

A copy of the Forward Flow Agreement or any other agreements between XXXX and any third parties involved in the handling of this debt. 

Proof of compliance with UCC Article 9, Part 6, regarding the disposition of collateral and notification procedures.

Under federal law, specifically 15 U.S.C. 1666b, 15 U.S.C. 1681i, 15 U.S.C. 1681s-2, and UCC Article 9, Part 6, I have the right to dispute and request verification of debts reported on my credit file. Until this information is provided and the debt is fully verified, I request that the inaccurate or unverifiable entry be removed from my credit report immediately.

Legal Basis for Request 15 U.S.C. 1666b : Ensures that consumers have the right to dispute billing errors and obligates creditors to provide documentation to substantiate charges.

15 U.S.C. 1681i : Mandates that credit reporting agencies conduct a reasonable investigation when a consumer disputes information on their credit report.

15 U.S.C. 1681s-2 : Imposes responsibilities on furnishers of information to provide accurate data and to correct or delete inaccurate or incomplete information.

UCC Article 9, Part 6 : Governs the disposition of collateral and the requirements for providing notice and compliance with procedures in debt resolution.

Proof and Supporting Documentation To support my claim and facilitate your investigation, I have attached the following proof : Documentation demonstrating that the reported debt has not been properly validated, including copies of correspondence with previous collectors.

Evidence indicating discrepancies in the reported charge-off amount.

Proof of compromised account data due to a data breach, which may have affected the accuracy of the information.

FTC Identity Theft Report ( Report Number : XXXX ) detailing the fraudulent activity and compromised accounts. 

Correspondence from XXXX indicating there is no existing account in my name and confirming details about the disputed account. 

Legal references substantiating my right to dispute and request validation. 

. 

Enclosures To facilitate this request, I have included the following : .Proof of address ( e.g., utility bill, lease agreement ). 

Relevant account statements demonstrating the dispute. 

FTC Identity Theft Report ( Report Number : XXXX ). 

Correspondence from XXXX regarding the disputed account. 

Copies of prior correspondence with collectors or creditors.

Thank you for your prompt attention to this matter. I expect your response within the legally mandated timeframe of 30 days. If you have any questions or require additional information, please contact me at the phone number or email listed above. 

Sincerely, XXXX XXXX Enclosures : Proof of Address FTC Identity Theft Report Correspondence from XXXX Prior Correspondence Copies

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