Consumer complaint received 2025-04-23 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: GA

Complaint narrative:
My name is XXXX XXXX. I am writing to submit a request to have stagnating data removed from credit reporting for several accounts involved in debt settlements with XXXX XXXX XXXX XXXX XXXX XXXX. 

I have been paying XXXX to pay these accounts for years, and most are paid off. My debt spiraled ( during COVID ) caring for my mother, who has since passed. I got a pay reduction as a result of the pandemic and was no longer able to keep up with timely payments and maintain normal living, so I sought assistance from debt relief before payments began falling behind. 87 % of that debt is paid off - to date. 

Yet - I have never received any 1099-C tax forms from any of the creditors who have listed the accounts in question as 'charged off ' or banking creditors stating 'Profit and loss write-off ' or 'Account closed by credit grantor ' - especially instances where XXXX XXXX, XXXX XXXX & XXXX XXXX closed accounts in good standing which had low to zero balance. These are reporting negatively when I had no issue or debt on the accounts before XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXXXXXX XXXX  XXXX and other got shut down without reason or any documentation for my protection from the entities with whom I carried a balance or credit line prior to their closure. Obviously, my worthiness crashed for some time, but I have always maintained payment - even if it is coming from XXXX XXXX XXXX and not XXXX XXXX, the accounts have all been acknowledged and payments have been collected on all via settlement procedures since 2021. Here is a list of creditors who refuse to correct or remove this harmful reporting which is preventing me from moving on with my life. I would like to buy property, and enjoy the fruits of the credit worthiness I strive to maintain. 

XXXXXXXX XXXX - 'Charge-Off ' XXXX XXXX XXXX - 'Profit & Loss Write-Off ' XXXX XXXX XXXX - 'Account Closed By Credit Grantor ' XXXX XXXX XXXXXXXX - 'Account Closed By Credit Grantor ' XXXX XXXX XXXX - 'Account Closed By Credit Grantor ' XXXXXXXX XXXXk XXXX - 'Account Closed By Credit Grantor ' XXXXXXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX - 'Account Closed By Consumer '. ( I did NOT voluntarily close this account. The credit union closed the account upon learning I no longer held a W-2 Job and transitioned to business owner. ) XXXX XXXX - 'Profit & Loss Write-Off ' XXXX XXXXXXXX XXXX - 'Charge-Off '. Mis-reported and not updating balances. 2 accounts paid via XXXX XXXX - settlements 90 % paid off. 
XXXXXXXX XXXX - 'Profit & Loss Write-Off ' XXXX XXXXXXXX XXXX - 'Paid Profit and Loss ' I am requesting your help with obtaining documentation, updating information, and removing the paid/settled damaging accounts from all credit reporting across major and sub major reporting agencies. I have learned that under the FCRA ( Fair Credit Reporting Act ) that I COULD seek statutory damages if a creditors furnished inaccurate information about a debt - like these 'charge-off 's " & 'Profit & Loss ' remarked accounts which have mostly been paid off, whether in full or via settlement. My request is for each entity to remove all negative reporting or remove the file from all reporting. Please respond with advice, should I need to seek an attorney. 

Thank you, 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