Consumer complaint received 2025-02-13 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: NY

Complaint narrative:
Inaccuracy violations/ tax fraud XX/XX/year> I reached out to the following companies and requested proof of validation. None of them responded within the allotted time period. Listed below is the dates I contacted the companies as well as the CFPB with highlighting the violations. 

XX/XX/year> - XXXX acct number : XXXX The account is reporting as a Collection/Charged off and is affecting my score negativity. The reporting of this account is incorrect because it is showing different active dates, a balance owed and a past due amount of {$240.00}. After being charged off. I urge the agency to reinvestigate and provide the missing information ( 1099 ). Also please explain why there is a past due balance while the account is charged off? Its a violation of my rights and I demand the immediately be deletion of this account to ensure that the agency is reporting full complete information on my account XX/XX/year> - XXXX  XXXX acct number : XXXX The account is reporting as a Collection/Charged off and is affecting my score negativity. The reporting of this account is incorrect because it is showing a balance owed and a past due amount of {$1000.00}. After being charged off. I urge the agency to reinvestigate and provide the missing information ( XXXX ). Also please explain why there is a past due balance while the account is charged off? Its a violation of my rights and I demand the immediately be deletion of this account to ensure that the agency is reporting full complete information on my account XX/XX/year> - XXXX XXXX acct number : XXXX The account is reporting as a Collection/Charged off and is affecting my score negativity. The reporting of this account is incorrect because it is showing active/ reporting dates after the account has been charged off. After being charged off. I urge the agency to reinvestigate and provide the 1099. Also please explain why there is a active date while the account is charged off? Its a violation of my rights and I demand the immediately be deletion of this account to ensure that the agency is reporting full complete information on my account XX/XX/year> - XXXX XXXX XXXX acct number : XXXX The account is reporting as a Collection/Charged off and is affecting my score negativity. The reporting of this account is incorrect because it is showing different active dates, a balance owed and a past due amount of {$850.00}. After being charged off. I urge the agency to reinvestigate and provide the missing information ( 1099 ). Also please explain why there is a past due balance while the account is charged off? Why are their active dates and the account was charged off? Its a violation of my rights and I demand the immediately be deletion of this account to ensure that the agency is reporting full complete information on my account XX/XX/year> - XXXX XXXX XXXX acct number : XXXX How can CRAs verify this account when the other CRAs have deleted it off of my report? I called the Collection company and asked for Forward flow agreement and they were unable to provide me with this information. This is inaccurate information and I demand the immediately be deletion of this account to ensure that the agency is reporting full complete information on my account XX/XX/year> - XXXX XXXX XXXX acct number : XXXX How can CRAs verify this account when the other CRAs have deleted it off of my report? I called the Collection company and asked for Forward flow agreement and they were unable to provide me with this information. This is inaccurate information and I demand the immediately be deletion of this account to ensure that the agency is reporting full complete information on my account XX/XX/year> - XXXX  acct number : XXXX How can CRAs verify this account when the other CRAs have deleted it off of my report? I called the Collection company and asked for Forward flow agreement and they were unable to provide me with this information. This is inaccurate information and I demand the immediately be deletion of this account to ensure that the agency is reporting full complete information on my account XX/XX/year> - XXXX XXXX XXXX acct number : XXXX The account is reporting as a Collection/Charged off and is affecting my score negativity. The reporting of this account is incorrect because it is showing different active dates, a balance owed and a past due amount of {$850.00}. After being charged off. I urge the agency to reinvestigate and provide the missing information ( 1099 ). Also please explain why there is a past due balance while the account is charged off? Its a violation of my rights and I demand the immediately be deletion of this account to ensure that the agency is reporting full complete information on my account XX/XX/year> - XXXX XXXX acct number : XXXX The account is reporting as a Collection/Charged off and is affecting my score negativity. The reporting of this account is incorrect because it is showing different active dates, a balance owed and a past due amount of {$850.00}. After being charged off. I urge the agency to reinvestigate and provide the missing information ( 1099 ). Also please explain why there is a past due balance while the account is charged off? Why are their active dates and the account was charged off? Its a violation of my rights and I demand the immediately be deletion of this account to ensure that the agency is reporting full complete information on my account XX/XX/year> - XXXX acct number : XXXX How can Experian verify this account when the other CRAs have deleted it off of my report? This is inaccurate information and I demand the immediately be deletion of this account to ensure that the agency is reporting full complete information on my account XX/XX/year> - XXXX acct number : XXXX The account is reporting as a Collection/Charged off and is affecting my score negativity. The reporting of this account is incorrect because it is showing different active dates, a balance owed and a past due amount of {$140.00}. After being charged off. I urge the agency to reinvestigate and provide the missing information ( 1099 ). Also please explain why there is a past due balance while the account is charged off? Its a violation of my rights and I demand the immediately be deletion of this account to ensure that the agency is reporting full complete information on my account Ive sent disputes and submitted challenges with the creditors as well as Experian, TransUnion & Equifax asking for debt validation and challenged reporting accuracy. The response i received to my claims from CRAs was all accounts have been 100 % validated. I was not presented with a detailed response explaining how they came to this resolution. 

According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 6 ) ( BX ( iii ) requires consumer reporting agencies ( CRAs ) to provide a description of disputed information within 15 days. This section applies when a consumer requests a description of disputed information in their credit file 15 U.S.C. 1681 E ( B ), governs Whenever a consumer reporting agencies prepare a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 


All accounts are being reported as charged off yet still reporting past due/owed balance and companies have failed to send out 1099 for tax purposes. This not only does this violate my consumer rights but it also is tax fraud. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 N I have to right to sue for {$1000.00} per violation plus statutory damages. 

Please be aware that I am keeping a detailed record of all correspondence and actions taken throughout this process. Failure to respond to this letter or address the mentioned violations within the specified timeframe will leave me with no choice but to proceed with legal action to protect my rights as a consumer. 

I trust that you will take this matter seriously and handle it in a timely and professional manner. I look forward to receiving a satisfactory resolution to this issue.

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