Consumer complaint received 2025-08-04 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: URGENT LEGAL DEMAND  Deletion of Inaccurate Charge-Off Account Per FCRA 15 USC 1681i & Supporting Federal Tax Regulations\n\nDear [Equifax / Experian / TransUnion],\n\nI am writing to formally dispute and demand the immediate deletion of the following account from my credit report, in accordance with my rights under the Fair Credit Reporting Act (15 U.S. Code 1681i).XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDispute Basis: Unverifiable, Canceled, and Improperly Transferred Debt\n\nThis account has been reported as charged-off, which by legal and financial standards confirms that the creditor declared the debt as a business loss and wrote it off through the IRS. Accordingly:\n\t1.\tI demand full documentation that proves this debt was not canceled or forgiven through IRS Form 1099-C, which creditors are required to file under IRS Code 6050P when a debt of $XXXX or more is discharged or written off.\n\t2.\tIf a 1099-C was issued, then this debt has been officially canceled and is no longer legally collectible or reportable, making continued credit reporting a violation of 15 USC 1681s-2.\n\n\nFailure to Provide Legal Transfer & Assignment Documents:\n\nFurthermore, the collection agency XXXX XXXX XXXX XXXX previously assigned to this account has already agreed to delete this tradeline and cease collection, due to their failure to provide the following federally required documents:\n\t\tA legally binding assignment of the debt between the original creditor and the collection agency\n\t\tA flow agreement or bill of sale proving legal transfer and ownership of the debt\n\t\tThe original signed contract bearing my signature\n\t\tAn itemized breakdown of all charges and payments\n\nWithout these documents, the debt is legally unverified, rendering this account inaccurate, misleading, and incomplete as defined under 15 USC 1681i. The continued reporting of this unverified tradeline, especially after the collection agency has already agreed to its deletion, is considered willful noncompliance and actionable under the FCRA and FDCPA.\n\n\nLegal Remedies and Enforcement Action Pending:\n\nIf you do not delete this account within 30 days, I will take immediate further action, including but not limited to:\n\t\tFiling formal complaints with the CFPB, FTC, IRS, and State Attorney General\n\t\tInitiating civil action for defamation of character, negligent reporting, emotional distress, and willful violations of the FCRA and FDCPA, seeking damages up to $1,000 per violation\n\t\tRequesting sanctions for failure to correct erroneous credit reporting\n\n\nSummary of My Legal Demands:\n\t\tImmediate removal of the charge-off account from my credit report\n\t\tA copy of any and all documentation used to verify the accuracy of this tradeline\n\t\tConfirmation that this account will not be reinserted without proper notification and substantiation\n\t\tProof that a 1099-C was not filed, or if filed, that the account has been properly removed\n\nYou are legally obligated to complete your investigation and respond within 30 calendar days of receipt of this letter.XXXX XXXX XXXX XXXX XXXX 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