Consumer complaint received 2025-03-27 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: VA

Complaint narrative:
NOTICE OF INTENT TO SUE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Subject : Request for Reinvestigation and Removal of Charge-Offs XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX # XXXX Dear Experian, I HAVE A RIGHT TO HAVE ACCURATE AND COMPLETE CONSUMER REPORTS, AND THE FACT THAT XXXX AND XXXX HAVE REMOVED THE ABOVE ACCOUNTS PROMPTLY AND YOU HAVE NOT, MEANS MY CONSUMER REPORTS ARE NOW INACCURATE AND INCOMPLETE, AND THIS IS NOW A LEGAL MATTER. 
ACCORDING TO TITLE 15 CHAPTER 41 SUBCHAPTER III, I AM DISPUTING COMPLETENESS AND ACCURACY WITH MY CREDIT REPORT 15 USC 1681. I EXPECT EXPEDITED DISPUTE RESOLUTION WITHIN 5 DAYS OF RECEIPT OF THIS DISPUTE.

CERTIFIED MAIL NUMBER : Inside this package please find : DRIVERS LICENSE 2 ) CREDIT REPORT FROM IDENTITY IQ WHICH SHOWS THE ACCOUNTS SIDE BY SIDE, SHOWING THE RECENT DELETIONS OF THE ABOVE ACCOUNTS ON XXXX AND XXXX, AS WELL AS CORRESPONDENCE FROM XXXX SHOWING THE DELETIONS OF ABOVE SAID ACCOUNTS. 
I am writing to dispute the accuracy of a charge-offs listed on my credit report under the accounts XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX. IN ADDITION TO THE FACT THAT, ACCORDING TO THE IRS, INCOME CAN NOT BE REPORTED ON A CONSUMER REPORT, THE XXXX ACCOUNT IS ALSO LISTED AS PAST DUE, WHICH IS GROSSLY INACCURATE. 

I have received a 1099-C form for these accounts, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. PLEASE PROVIDE THE FOLLOWING INFORMATION : The method used to verify the accuracy of this charge-off. 
The name and contact information of the person or entity that provided the verification. 
Copies of any documents or records used in the reinvestigation process. 
The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you PROMPTLY conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-offs from my credit report IMMEDIATELY. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, 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