Consumer complaint received 2025-02-18 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: IL

Complaint narrative:
XXXX  XXXX XXXX XXXX I am writing to dispute inaccurate information that is currently listed on my credit report. As per the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ), it is mandated that all information on my credit report must be 100 % accurate across all three credit reporting agencies. The information in question is related to the following account. XXXX XXXX XXXX XXXX # XXXX XXXX This account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. Your neglect has violated my rights. I am demanding a deletion. Failure to address and correct these inaccuracies will leave me no choice but to pursue legal action. Under the FCRA, I am entitled to collect { {$1000.00} } in damages for each inaccuracy present on my credit report also this XXXX  XXXX XXXX XXXX partial account number XXXX : I have Formal Dispute of Inaccurate Reporting and Request for Removal, 1099-C Issuance, and this is also an Cease-and-Desist Notice for XXXX  XXXX auto financing partial account # XXXX To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of the above-referenced accounts and to demand immediate corrective action pursuant to federal consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 1. Dispute of Account Reporting The accounts listed above have been reported as written off as profit/loss ( charge-off ). However, I have identified that these accounts are being repeatedly reported as new charge-offs with an outstanding balance, despite being previously written off. This constitutes inaccurate and misleading reporting in violation of the FCRA, specifically : 15 U.S.C. 1681e ( b ) : Duty to ensure maximum possible accuracy of information. 15 U.S.C. 1681s-2 ( b ) : Duty to investigate disputes regarding furnished information. By continuing to report these accounts inaccurately, XXXX XXXX XXXX XXXX is damaging my creditworthiness, resulting in defamation of character and material harm to my financial reputation. XXXX. Request for 1099-C Issuance As these accounts have been charged off, I am requesting that you provide a copy of the IRS Form 1099-C ( Cancellation of Debt ) for each account. The issuance of this form is required when a debt is canceled or written off and no longer collectible. Failure to provide this required documentation further demonstrates non-compliance with applicable consumer protection laws. XXXX. Cease-and-Desist Notification Under the FDCPA, 15 U.S.C. 1692c ( c ), this letter serves as a formal cease-and-desist notice regarding all collection efforts related to these accounts. You are instructed to cease all forms of communication with me, including but not limited to phone calls, emails, or letters, regarding these accounts. XXXX. Demand for Resolution To resolve this matter, I demand the following actions be taken within XXXX houses after receiving : Immediately Delete and remove the XXXX  XXXX XXXX XXXX partial account number # XXXX from all credit reporting agencies. Provide a copy of the IRS Form 1099-C for the cancellation of each account, if applicable. Confirm in writing that you have ceased all collection activities and communications related to this account.

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