Consumer complaint received 2025-04-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
**Consumer Complaint Narrative** To Whom It May Concern : I am writing to formally dispute inaccuracies in my credit report, which I recently reviewed. It has come to my attention that certain entries are erroneous and constitute violations of applicable laws. 

Specifically, the account referenced as Experian, originally held by Experian, has been charged off. This action appears to have been executed without the requisite issuance of a Form 1099, as mandated by law. Such failure constitutes a violation of 15 U.S.C. 1692g, which stipulates that I should have been notified in writing within five days prior to the charge-off. I did not receive such notification. 

As the original creditor, I alone possess the authority to validate this debt. Furthermore, while this account is indicated as " PAID OFF '' in full, it simultaneously reflects an outstanding balance, thus illustrating multiple breaches of law regarding accurate reporting. The reporting of this account contravenes the Fair Credit Reporting Act, specifically 15 U.S.C. 1681, including provisions under 15 U.S.C. 1681 ( a ) ( 2 ) ( B ), concerning exclusions. 
In light of these infractions, I demand the immediate removal of the aforementioned account ( s ) from my credit report. The Fair Credit Reporting Act ( FCRA ) safeguards my rights under 15 U.S.C. 1681-602A, which affirms my right to privacy. Additionally, 15 U.S.C. 1681-604A, Section 2, prohibits a consumer reporting agency from furnishing an account without my explicit written consent. 

I assert that I am not liable for this collection, as the agency has failed to provide the original contract despite my repeated requests. Under 15 U.S.C. 1681 ( a ) ( 2 ) ( i ), transactions and experiences between me and the reporting party are not to be included in the " consumer report. '' According to IRS guidelines, charged-off accounts are classified as canceled debt and must be reported as income, which further complicates their reporting as debts. 

The reporting of collections and charge-offs exceeding {$600.00} on my consumer report constitutes tax fraud. By law, companies are obligated to furnish me with a copy of the Form 1099 for accounts deemed as charged-off losses. The IRS stipulates that income can not be reported as debt. Consequently, I request the immediate removal of this account from my report, as its inclusion violates statutory regulations and constitutes tax fraud. 

I dispute the authenticity of the information provided above. In accordance with the FCRA, you are required to delete any entries on my credit file that can not be substantiated as accurate. Furthermore, you must provide your Method of Verification. Given that you are a partial owner of the eOscar system, which has demonstrated unreliability in addressing my dispute, this does not satisfy the legal requirement for an independent investigation.

I reference the following sections of the Fair Credit Reporting Act of XXXX  : Section 604, Section 609, Section 611, and Section 623, which I trust require no further elaboration.

I insist that the information cited must be investigated forthwith. Failure to furnish adequate details, a Method of Verification, and the accuracy of all dates, amounts, and other pertinent information will compel me to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). Additionally, I reserve the right to initiate civil proceedings against you, seeking the maximum allowable penalties for each violation. 

Should I require further assistance, I will consult with legal counsel based on your response to this correspondence. Thank you for your cooperation. Attached is my identification for verification purposes. 

Sincerely, 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