Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx, XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Dispute of Charge-Off Accounts Reported on My Credit Report Dear Experian, I am writing to formally dispute the accuracy of several charge-off accounts reported on my credit file. According to my rights under the Fair Credit Reporting Act ( FCRA ), I request a thorough investigation and verification of the accounts listed below. 

Accounts in Question : Creditor Name : Applied Bank Account Number : XXXX Charge-Off Amount : [ {$690.00} ] Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Charge-Off Amount : [ {$0.00} ] Creditor Name : XXXX  XXXX Account Number : XXXX Charged-Off Amount : [ {$990.00} ] Creditor Name : XXXX XXXX  Account Number : XXXX Charged-Off Amount : [ {$1200.00} ] Creditor Name : XXXX Account Number : XXXX Charged-Off Amount : [ {$8500.00} ] Creditor Name : XXXX XXXX XXXX Account Number : XXXX Charged-Off Amount : [ {$340.00} ] Creditor Name XXXX XXXX XXXX XXXX Account Number : XXXX Charged-Off Amount : [ {$58.00} ] Creditor Name : XXXX XXXX  XXXX Account Number : XXXX Charged-Off Amount : [ {$330.00} ] Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Charged-Off Amount : [ {$630.00} ] Creditor Name : XXXX XXXX Account Number : XXXX Charged-Off Amount : [ {$830.00} ] Creditor Name : XXXX XXXX XXXX Account Number : XXXX Charged-Off Amount : [ {$270.00} ] which is conjunction with XXXX  XXXX for XXXX charged off what your reference is above same account number different amounts, please delete. 

Creditor Name : XXXX XXXX XXXX Account Number : XXXX Charged-Off Amount : [ {$1900.00} ] Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Charged-Off Amount : [ {$720.00} ] Creditor Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX : [ {$720.00} ] Creditor Name : XXXX XXXX XXXX Account XXXX Charged-Off Amount : [ {$270.00} XXXX Creditor Name : XXXX XXXX XXXX Account Number : XXXX Charged-Off Amount : [ {$7400.00} ] Discrepancies and Grounds for Dispute : Charge-Off Reporting : IRS Publication 525 explains that debts canceled or charged off must be reported as taxable income only if the creditor issues a 1099-C form. Please verify whether the creditor filed this form and whether the debt is legally collectible. 


Account Accuracy : I request that the credit bureau confirm with the creditor all details about this account, including payment history, account balance, and charge-off validity. 

Verification Documentation : Under the FCRA, I have the right to request the documentation that verifies the legitimacy of these accounts. Without proper evidence, these entries must be removed from my credit file. 

Tax Implications : If the creditor issued a 1099-C for this account, the IRS considers the debt settled or forgiven. As such, it may not remain valid for collection or reporting as a charge-off.

Resolution Sought : Please investigate and remove all inaccuracies regarding the above accounts. If the creditors fail to provide accurate, complete, and timely documentation, I request the deletion of these entries. 

Supporting Documentation : I have enclosed copies of my credit report highlighting the disputed accounts for your reference. 

I expect a written response and resolution to this matter within 30 days as stipulated by the FCRA. Thank you for your prompt attention to this matter. 

Sincerely, 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