Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Correct Information Current Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX Phone Number : ( XXXX ) XXXX INCORRECT PERSONAL INFORMATION Wrong Addresses Listed XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX Harrells XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX, XXXX, CA XXXX XXXX  XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX in XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Employers XXXX XXXX XXXX XXXX  Violation of FCRA 602 ( a ), 609 ( a ) ( 1 ), 610 ( a ) ( 1 ) Incorrect personal data must be deleted or corrected upon notice and verification. 

INVALID OR INCORRECT ACCOUNT REPORTING XXXX XXXX XXXX XXXX Account reported as Charge-Off, but 1099-C was issued, making continued collection and credit reporting unlawful.

Repossessed after 1099-C and 1099-A multiple times Missing multiple payments that were made ( e.g., {$1000.00} and {$2500.00} ) Still showing as unpaid even after discharge Repossession remarks shown as XXXX are invalid Violations : FCRA 623 ( a ) ( 5 ) Must report actual payment and balance status.

15 U.S.C. 1666 & 15 U.S.C. 1635 ( TILA ) Failure to acknowledge cancellation.

26 U.S.C. 6050P Illegal continued reporting post-1099-C. 

XXXX XXXX XXXX from XXXX still on credit report beyond 7 years Should have been removed in XXXX Violation of FCRA 605 ( a ) ( 4 ) Negative accounts older than 7 years must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Duplicate collection entries possibly for same debt Account sold but no clear chain of title Balance incorrect and increased Violations : FCRA 609, 611, 623 FTC FDCPA Section 807 ( 8 ) Misrepresentation of debt status 15 U.S.C. 1692e ( 2 ) ( A ) False representation of amount owed DUPLICATE OR CONTRADICTORY REPORTING Multiple 1099-Cs and 1099-As were filed 4+ times for the same auto account.

Credit agencies and furnishers ignored disputes and continued updates with negative remarks.

Violations : FCRA 611 Failure to investigate and correct 15 U.S.C. 1692c ( c ) Cease & Desist violations FTC Act 5 Deceptive reporting practices EXHIBITS TO INCLUDE Exhibit Description A 1099-A and 1099-C forms B Payment records and missing transactions C Cease & Desist Letter from 2022 D Car repossession and release receipts E Credit Reports with inaccurate entries highlighted F USPS tracking or certified mail proof of 1099 delivery G Screenshots or PDFs of current tradeline entries VIOLATIONS & PENALTIES Law Section Penalty FCRA 623, 609, 611, 605 {$1000.00} per violation TILA 1635, 1666 Contract cancellation, refund of all payments IRS 26 U.S.C. 6050P Fine for failure to cease collection post-cancellation FDCPA 15 U.S.C. 1692c & 1692e {$1000.00} statutory + actual damages FTC Act 5 Unfair/deceptive practices injunctive relief available Subject : Formal Dispute Incorrect and Invalid Reporting of Discharged Debts, Repossessions, and Third-Party Collection Accounts To Whom It May Concern, This letter serves as a formal dispute of multiple inaccurate, obsolete, and invalid entries on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). 

Accounts to Be Investigated and Removed : XXXX. XXXX XXXX XXXX XXXX 1099-C and 1099-A issued. Account is discharged, yet still reported as a charge-off.

Payments made after cancellation not reflected.

Repossession occurred after cancellation, violating contract law. 

Reporting of inaccurate balance and false remarks ( e.g., RPO ). 

XXXX. XXXX XXXX XXXX from XXXX still listed in XXXX. 

Under FCRA XXXX ( a ) ( XXXX ), such entries are obsolete and must be removed. 

XXXX. XXXX XXXX XXXX XXXX third-party debt collector with whom I have no contract. 

They failed to produce a valid agreement or proof of assignment. 

Must be removed under FDCPA XXXX and FCRA XXXX. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account was XXXX. 

Reporting continues in violation of IRS XXXX XXXX and FCRA XXXX. 

XXXX. Incorrect Personal Information Multiple addresses, names, and phone numbers not connected to me : Only correct address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX Only correct phone : ( XXXX ) XXXX Legal Basis for Dispute : Law Citation Violation Fair Credit Reporting Act XXXX XXXX. XXXX, XXXX ( a ), XXXX ( b ) Inaccurate & obsolete reporting Fair Debt Collection Practices XXXX XXXX. XXXX Third-party collector without contract IRS XXXX XXXX XXXX XXXX XXXX Continued collection after cancellation Request for Action : I formally request the following under FCRA XXXX : Immediate deletion of all tradelines and collections listed above. 

Removal of all inaccurate personal information. 

Full reinvestigation and written confirmation within 30 days. 

Please consider this letter a direct dispute. You are required by law to verify all disputed information or remove it from my credit report. 

Attached Exhibits : Exhibit A : XXXX and XXXX forms ( Capital XXXX, National Credit Systems ) Exhibit B : Cease and Desist Letter ( XXXX ) Exhibit C : Payment records and repossession receipts Exhibit D : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current credit reports with incorrect entries highlighted

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