Consumer complaint received 2025-01-15 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Dear Experian, I am writing to dispute several inaccuracies on my credit report as of XX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate these discrepancies and correct or remove any inaccurate, incomplete, or unverifiable information. 

Accounts in Dispute XXXX XXXX XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Balance : {$10000.00} Issue : I previously disputed this account and explained why the reporting was inaccurate. You failed to address my concerns. Please delete all negative information associated with this account immediately. 
XXXX. XXXX XXXX XXXX XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Balance : {$0.00} Issue : This account is incorrectly reporting XXXX late payments. My XXXX report shows XXXX late payments. Please correct this error. 
XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX  Account # : XXXX Opened : XX/XX/XXXX Balance : {$13000.00} Issue : This account has been reported as charged off, but I have not received a 1099-C form as required for debts canceled over {$600.00}. This raises questions about the legitimacy of the charge-off. 
XXXX. XXXX Account # : [ Insert Account Number ] Issue : This account is also reported as charged off, yet no XXXX form has been provided, making the charge-off invalid. 
XXXX. XXXX XXXX  Account # : XXXX Opened : XX/XX/XXXX Balance : {$0.00} Issue : I previously disputed this account, but the investigation was incomplete. Please delete all negative information related to this account. 
XXXX. XXXX XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Balance : {$0.00} Issue : I previously disputed this account for frivolous reporting, but you failed to address my dispute properly. Please delete all negative information. 
XXXX. XXXX XXXX XXXX XXXX  Account # : XXXX Opened : XX/XX/XXXX Balance : {$320.00} Issue : This account incorrectly reports XXXX late payment. My XXXX report shows XXXX late payments. Please correct this discrepancy immediately. 

Supporting Arguments Failure to Provide 1099-C Forms : For debts reported as charged off, creditors are required to issue 1099-C forms for cancellations over {$600.00}. Failure to provide these forms indicates noncompliance with federal regulations.

Inaccurate Reporting : Reporting charge-offs or late payments without adhering to legal requirements violates FCRA Section 623 ( a ) ( 1 ) ( B ), which mandates accurate and complete reporting.

Requested Actions 1. Validate all debts with supporting documentation, including proof of compliance with FCRA and IRS regulations.

2. Remove or correct all inaccurate information. If verification can not be completed, delete the accounts from my credit report in compliance with FCRA Section 611 ( a ) ( 5 ) ( A ).

Failure to address these issues within 30 days will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ). 
In light of the CFPB lawsuit filed against Experian on XX/XX/XXXX, I insist you con-an investigation as required by FCRA law . Do not accept the findings of furnishers who do not provide thorough results of their investigation which I will ask you to provide to me via mail Delete or correct the disputed information within the timeline provided by federal law.

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