Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Membership ID number : XXXX Experian Information Solutions , Inc . 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

Subject : Dispute of Inaccurate Information on Credit Report Dear CFPB ; I am writing to formally dispute multiple inaccuracies reflected in my credit report, specifically concerning several charge-offs and hard inquiries. My account number is [ insert your account number or reference number if applicable ].

The details of my dispute are as follows : 1. * * Multiple Charge-Offs : * * I have noticed several charge-offs on my credit report that I believe are inaccurate and have not been properly investigated. These charge-offs have had a negative impact on my credit score and financial standing.

I request that these creditors provide a 1099C, as the charged-off accounts appear to have been sold to new debt collectors, likely resulting in a write-off as a loss and collection of funds, despite ongoing collections on my credit report with updated dates. The treatment of these older accounts as new is unclear. Furthermore, other outdated charge-offs are visible only to potential creditors. To report the charge-off as income, I require a 1099C, as I believe the new debt collectors have already collected the funds and I would like all charge offs and hard inquiries removed from my credit report immediately.

Charge off accounts as follows : 6 Collections with Total Balance : {$2600.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX  Balance {$350.00} Balance updated XX/XX/year> XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX 
Balance {$680.00} Balance updated XX/XX/year> XXXX XXXX XXXX Original creditor XXXX XXXX Balance {$330.00} Balance updated XX/XX/year> XXXX XXXX XXXX Original creditor XXXX Balance {$350.00} Balance updated XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXXXXXX XXXX XXXX 
Balance {$260.00} Balance updated XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX Balance {$620.00} Balance updated XX/XX/year> The creditors ' charge-off and securitization of my debt after account receipt resulted in the loss of ownership ; consequently, their persistent reporting of the debt as active is unwarranted and merits investigation. 2. * * Multiple Hard Inquiries : * * Additionally, there are several hard inquiries ( some from the same company ) listed that I did not authorize or that do not accurately reflect my credit activity. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a reasonable reinvestigation of these disputed items. I request that you conduct a thorough review of my credit file and correct any inaccuracies. I have included the charge-off documentations from Experian 's official website above, and I am assured that you will be able to identify the charge-offs that is not readily apparent to me, seemingly due to it being hidden.

Please investigate this matter and respond to me in writing within 30 days regarding the results of your investigation. I look forward to your prompt attention to this important matter.

Thank you for your assistance. 

Sincerely, XXXX XXXX

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