Consumer complaint received 2025-11-04 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: NJ

Complaint narrative:
FORMAL RESPONSE AND LEGAL REBUTTAL UNDER FCRA 611 To Whom It May Concern, This letter responds directly to your notice asserting that my previous dispute was verified and would not be reinvestigated absent additional information. Your explanation fails to satisfy the procedural and evidentiary requirements of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1. Your Prior Verification Is Legally Insufficient Under FCRA 611 ( a ) ( 1 ) ( A ), Experian must perform a reasonable reinvestigation of any disputed information. Merely relying on a furnishers electronic confirmationwithout producing supporting documentation such as signed contracts, full payment history, proof of assignment, or Form 1099-Cis not a reasonable reinvestigation.

Experians form letter demonstrates no effort to obtain or review competent documentary evidence. Therefore, your so-called verification is defective, and the disputed items remain unverified as a matter of law. 


XXXX. Accounts in Dispute ( Per Your Own Report dated XXXX XX/XX/XXXX ) XXXX  XXXX  Reported as Charged off as bad debt. 

XXXX XXXX XXXX balance reported as loss by credit grantor. 

XXXX XXXX  ( ending XXXX ) Profit and loss write-off. 

XXXX XXXX / XXXX XXXX XXXX off as bad debt / Profit and loss write-off ( {$13000.00} balance ). 

Each entry listed above is disputed in its entirety. 


XXXX. Statute of Limitations New Jersey Law ( N.J.S.A. 2A:14-1 ) The statute of limitations for written or open-ended contracts in New Jersey is six ( 6 ) years from the date of the last payment or default. Several of the accounts citedspecifically XXXX, XXXX, and the XXXX XXXX XXXX  accountare beyond this period and thus legally unenforceable. 
Reporting a time-barred obligation constitutes false representation of credit status under FCRA 623 ( a ) ( 1 ) ( A ) and 607 ( b ). 


XXXX. Obligation to Produce Form 1099-C Under 26 U.S.C. 6050P, any creditor that cancels or writes off a debt as a loss must file Form 1099-C with the IRS and provide a copy to the consumer. Experian must therefore obtain from each furnisher either : 1. A copy of Form 1099-C ( if filed ) ; or 2. A signed statement explaining why no such form was issued.

Absent such proof, the reporting of these debts as charged-off is unsupported and must be deleted.

5. Formal Demands and Deadline Pursuant to FCRA 611 and 623, I hereby demand that Experian : 1.Provide documentary proof for each disputed account ( contract, billing records, chain of title, Form 1099-C ).

2.Delete permanently ( DELETE ) any entry that can not be verified with competent evidence.

3.Remove all time-barred accounts under New Jersey law as they are legally unenforceable.

Experian has 15 calendar days from receipt of this letter to comply or provide the requested documentation.

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