Consumer complaint received 2024-12-30 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: CA

Complaint narrative:
From The Desk of XXXX XXXX XXXX XX/XX/XXXX Sent Via U.S. Certified Mail/Return Receipt Credit XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Re : Validation of Debt/Request for 1099-C Form/and Cease and Desist Reporting Dear Credit Acceptance : I am writing to formally request the issuance of a 1099-C form and to demand that you cease and desist the inaccurate reporting on my credit file regarding an auto loan that was charged off by your company. 

Account Details : Account Number : [ XXXX ] Loan Origination Date : XX/XX/XXXX Charge-Off Date : In XXXX Despite the charge-off, I have yet to receive a 1099-C form, which is required to be sent to the debtor when a creditor cancels a debt of {$600.00} or more. The failure to provide this document is a violation of IRS regulations and has caused significant inconvenience and confusion in my financial records. 
Additionally, your continued reporting of this loan as open or fixed rate on my credit file is inaccurate and misleading. This erroneous reporting is affecting my credit score and overall financial health. I demand the immediate cessation of this false report and request that you update my credit file to accurately reflect the charge-off status and remove any incorrect data. 

Actions Required : Immediately issue and send a 1099-C form for the charged-off debt. 

Cease and desist from reporting the loan as open or fixed rate. 
Correct my credit file by accurately reporting the charge-off and deleting account from my credit report, effective now. 

Page XXXX XX/XX/XXXX Debt Validation Letter Failure to comply with these requests will leave me no choice but to file a complaint with the Consumer Financial Protection Bureau XXXX CFPB ) and the Federal Trade Commission XXXX FTC ). Additionally, I reserve the right to take further legal action to protect my financial interests and credit integrity. 
I expect your prompt attention to this matter and look forward to your swift response. 

Additionally, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this pursuant to 15 USC 1692g. 

Please supply me with a copy of all contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 

XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 

XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. I formally request the cancellation of the 1099-C debt issued by your company. This request is made in accordance with the relevant provisions of the Internal Revenue Code and applicable regulations. A copy of all charge-offs documentation including 1099-C forms. 

XXXX. Proof that the original creditor securitized the debt. 



Page XXXX XX/XX/XXXX Debt Validation Letter XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Pursuant to 15 USC 1692c I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose : Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Lastly, please forward the requested information to the address listed above within ten ( 10 ) business days from the date of this letter. 

Thank you for your prompt attention to this matter. 

Kindly, Sincerely, XXXX XXXX XXXX Enclosure ( XXXX ) Cc : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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