Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1200.00}. 
This account is incorrectly reported as charged off with a balance due, despite the fact that I no longer owe money and no 1099-C was issued as required by the IRS. Under 15 USC 1666b and 15 USC 1681s-2, please provide proof of charge-off or update balance to {$0.00} and remove negative status. Experian failed to conduct a proper investigation, violating FCRA. My right to privacy was also violated, so I demand permanent deletion of these accounts and request statutory damages of {$1000.00} per violation. 15 USC 1681 ( q ) XXXX  XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1000.00}. 
This account is incorrectly reported as charged off with a balance due, despite the fact that I no longer owe money and no 1099-C was issued as required by the IRS. Under 15 USC 1666b and 15 USC 1681s-2, please provide proof of charge-off or update balance to {$0.00} and remove negative status. Experian failed to conduct a proper investigation, violating FCRA. My right to privacy was also violated, so I demand permanent deletion of these accounts and request statutory damages of {$1000.00} per violation. 15 USC 1681 ( q ) XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1000.00}. 
This account is incorrectly reported as charged off with a balance due, despite the fact that I no longer owe money and no 1099-C was issued as required by the IRS. Under 15 USC 1666b and 15 USC 1681s-2, please provide proof of charge-off or update balance to {$0.00} and remove negative status. Experian failed to conduct a proper investigation, violating FCRA. My right to privacy was also violated, so I demand permanent deletion of these accounts and request statutory damages of {$1000.00} per violation. 
XXXX XXXX XXXX  XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$2800.00}. 
This account is incorrectly reported as charged off with a balance due, despite the fact that I no longer owe money and no 1099-C was issued as required by the IRS. Under 15 USC 1666b and 15 USC 1681s-2, please provide proof of charge-off or update balance to {$0.00} and remove negative status. Experian failed to conduct a proper investigation, violating FCRA. My right to privacy was also violated, so I demand permanent deletion of these accounts and request statutory damages of {$1000.00} per violation. 
XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$7700.00}. 
This account is incorrectly reported as charged off with a balance due, despite the fact that I no longer owe money and no 1099-C was issued as required by the IRS. Under 15 USC 1666b and 15 USC 1681s-2, please provide proof of charge-off or update balance to {$0.00} and remove negative status. Experian failed to conduct a proper investigation, violating FCRA. My right to privacy was also violated, so I demand permanent deletion of these accounts and request statutory damages of {$1000.00} per violation. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$3800.00}. 
This account is incorrectly reported as charged off with a balance due, despite the fact that I no longer owe money and no 1099-C was issued as required by the IRS. Under 15 USC 1666b and 15 USC 1681s-2, please provide proof of charge-off or update balance to {$0.00} and remove negative status. Experian failed to conduct a proper investigation, violating FCRA. My right to privacy was also violated, so I demand permanent deletion of these accounts and request statutory damages of {$1000.00} per violation. 
XXXX XXXX XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$6800.00}. 
This account is incorrectly reported as charged off with a balance due, despite the fact that I no longer owe money and no 1099-C was issued as required by the IRS. Under 15 USC 1666b and 15 USC 1681s-2, please provide proof of charge-off or update balance to {$0.00} and remove negative status. Experian failed to conduct a proper investigation, violating FCRA. My right to privacy was also violated, so I demand permanent deletion of these accounts and request statutory damages of {$1000.00} per violation. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I paid off this account but its still showing that I owe a balance. Due to my right to privacy, I demand this be deletd from my credit report. 15 USC 1681 ( q ) XXXX  XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$100.00}. 
This account is incorrectly reported as charged off with a balance due, despite the fact that I no longer owe money and no 1099-C was issued as required by the IRS. Under 15 USC 1666b and 15 USC 1681s-2, please provide proof of charge-off or update balance to {$0.00} and remove negative status. Experian failed to conduct a proper investigation, violating FCRA. My right to privacy was also violated, so I demand permanent deletion of these accounts and request statutory damages of {$1000.00} per violation. 
XXXX  XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$180.00}. 
This account is incorrectly reported as charged off with a balance due, despite the fact that I no longer owe money and no 1099-C was issued as required by the IRS. Under 15 USC 1666b and 15 USC 1681s-2, please provide proof of charge-off or update balance to {$0.00} and remove negative status. Experian failed to conduct a proper investigation, violating FCRA. My right to privacy was also violated, so I demand permanent deletion of these accounts and request statutory damages of {$1000.00} per violation. 15 USC 1681 ( q ) XXXX  XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$180.00}. 
This account is incorrectly reported as charged off with a balance due, despite the fact that I no longer owe money and no 1099-C was issued as required by the IRS. Under 15 USC 1666b and 15 USC 1681s-2, please provide proof of charge-off or update balance to {$0.00} and remove negative status. Experian failed to conduct a proper investigation, violating FCRA. My right to privacy was also violated, so I demand permanent deletion of these accounts and request statutory damages of {$1000.00} per violation. 15 USC 1681 ( q ) XXXX  XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$37.00}. 
This account is incorrectly reported as charged off with a balance due, despite the fact that I no longer owe money and no 1099-C was issued as required by the IRS. Under 15 USC 1666b and 15 USC 1681s-2, please provide proof of charge-off or update balance to {$0.00} and remove negative status. Experian failed to conduct a proper investigation, violating FCRA. My right to privacy was also violated, so I demand permanent deletion of these accounts and request statutory damages of {$1000.00} per violation. 15 USC 1681 ( q ) XXXX  XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$110.00}. 
This account is incorrectly reported as charged off with a balance due, despite the fact that I no longer owe money and no 1099-C was issued as required by the IRS. Under 15 USC 1666b and 15 USC 1681s-2, please provide proof of charge-off or update balance to {$0.00} and remove negative status. Experian failed to conduct a proper investigation, violating FCRA. My right to privacy was also violated, so I demand permanent deletion of these accounts and request statutory damages of {$1000.00} per violation. 15 USC 1681 ( q ) XXXX  XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$23.00}. 
This account is incorrectly reported as charged off with a balance due, despite the fact that I no longer owe money and no 1099-C was issued as required by the IRS. Under 15 USC 1666b and 15 USC 1681s-2, please provide proof of charge-off or update balance to {$0.00} and remove negative status. Experian failed to conduct a proper investigation, violating FCRA. My right to privacy was also violated, so I demand permanent deletion of these accounts and request statutory damages of {$1000.00} per violation. 15 USC 1681 ( q ) XXXX  XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$120.00}. 
This account is incorrectly reported as charged off with a balance due, despite the fact that I no longer owe money and no 1099-C was issued as required by the IRS. Under 15 USC 1666b and 15 USC 1681s-2, please provide proof of charge-off or update balance to {$0.00} and remove negative status. Experian failed to conduct a proper investigation, violating FCRA. My right to privacy was also violated, so I demand permanent deletion of these accounts and request statutory damages of {$1000.00} per violation. 15 USC 1681 ( q ) XXXX  XXXX Business Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$2200.00}. 
This account is incorrectly reported as charged off with a balance due, despite the fact that I no longer owe money and no 1099-C was issued as required by the IRS. Under 15 USC 1666b and 15 USC 1681s-2, please provide proof of charge-off or update balance to {$0.00} and remove negative status. Experian failed to conduct a proper investigation, violating FCRA. My right to privacy was also violated, so I demand permanent deletion of these accounts and request statutory damages of {$1000.00} per violation. 15 USC 1681 ( q ) Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
In light of the CFPB lawsuit filed against Experian on XX/XX/XXXX, I respectfully request that you conduct a thorough investigation, as required by the Fair Credit Reporting Act. Please do not accept the findings of any furnisher who hasn't provided comprehensive and detailed results. I ask that you share the specifics of your investigation, including the furnishers response, via mail. 

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