Consumer complaint received 2025-02-26 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: FL

Complaint narrative:
I demand the immediate removal of this account from my credit report if XXXX XXXX is unable to show proof they provided consideration of value for the alleged debt. Furthermore, I demand validation, not verification, of the charged-off account reported by XXXX XXXX under multiple federal and state laws. This includes full validation of the debt, proper accounting, and compliance with all legal obligations outlined below. In addition to disputing the validity of this alleged debt, I am demanding an immediate return of funds that were withdrawn from my account after the debt was officially charged off. 

XXXX XXXX has violated consumer financial protection laws by processing payments on an account that, according to their own reporting, was charged off and written down by {$930.00}. This action constitutes unauthorized debiting, improper collections, and financial misrepresentation. 

XXXX. Immediate Demand for Full Refund of Improperly Withdrawn Funds Under the Electronic Fund Transfer Act ( XXXX ), 15 U.S.C. XXXX et seq., XXXX XXXX had no legal right to withdraw {$900.00} on XX/XX/year> after it had reported the account as charged off. 

Pursuant to XXXX, XXXX, and FDCPA, I demand : An immediate refund of the {$900.00} withdrawn from my account while the debt was classified as charged off. 
A detailed accounting of how and why XXXX XXXX initiated this unauthorized withdrawal after writing off the debt. 
Proof that this withdrawal was lawfully authorized and did not constitute an unlawful attempt to collect on a debt XXXX XXXX had already written down for tax purposes. 
Failure to provide a full refund constitutes a violation of consumer protection laws and will be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and banking regulators. 

XXXX. Demand for Full Validation, Not Mere Verification ( XXXX & XXXX Compliance ) Under XXXX XXXX, I demand : A full transaction ledger showing how this account has been handled, including all payments, charges, interest calculations, and any adjustments. 
Proof that XXXX XXXX suffered an actual financial loss rather than simply making an internal bookkeeping entry and writing it off for tax benefits. 
Under XXXX XXXX, I further demand presentment of the original promissory note with a wet-ink signatureno copies, digital reproductions, or affidavits will be accepted. 

XXXX. Proof of Actual Loaned Funds ( XXXX  & XXXX XXXX ) Under the Truth in Lending Act ( TILA ), 15 U.S.C. XXXX et seq., I demand : Proof that XXXX XXXX loaned me actual funds from their own capital, not simply credit created through bookkeeping entries. 
Banking records proving XXXX Inc.financial risk in the transaction, including wire transfer or funding records. 
Additionally, per XXXX XXXX, I demand proof of holder in due course status, establishing XXXX XXXX legal right to collect any funds. 
If XXXX XXXX sold, transferred, or securitized the debt, I demand proof of assignment and ownership under XXXX Article XXXX, XXXX. 

XXXX. IRS XXXX and XXXX Request ( IRS CXXXXe XXXX & XXXX U.S.C. XXXXXXXX ) Since XXXX XXXX reported {$930.00} as written off, I demand : A copy of IRS Form XXXX ( Cancellation of Debt ), as required under IRS CXXXXe Section XXXXP. 
A copy of IRS Form XXXX ( Acquisition or Abandonment of Secured Property ) if XXXX XXXX claimed a loss for tax purposes. 
Clarification on how XXXX XXXX reported this charge-off to the IRS and whether they claimed a tax deduction for the loss. 
If XXXX XXXX failed to issue these IRS forms, they are in violation of tax reporting laws, and I will escalate this matter to the IRS for investigation. 

XXXX. Legal Right to Collect ( FDCPA & FCRA Compliance ) Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXXg, I demand : Proof that XXXX XXXX or any third-party collector has the legal right to collect this debt. 
If the debt was sold or reassigned, I request documented proof of the new creditors legal standing. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq., I demand : A full investigation into the accuracy of this reporting and an immediate deletion of this account if XXXX XXXX fails to provide legally required documentation proving their claim. 

XXXX. Immediate Demand for Removal of Charged-Off Account from My Credit Report Since XXXX XXXX failed to provide consideration of value for the alleged debt and has engaged in unlawful post-charge-off fund withdrawals, I demand : Immediate removal of this charged-off account from my credit report. 
A written confirmation that XXXX XXXX has ceased all collection efforts. 
Failure to Respond Within XXXX Days Will Result in : If XXXX XXXX fails to respond within XXXX  days, I will file : A CFPB complaint regarding unauthorized post-charge-off withdrawals, FDCPA violations, and unfair credit reporting practices. 
A formal complaint with the IRS regarding failure to issue proper tax reporting forms ( XXXX ). 
A Federal Reserve and FTC complaint for unlawful debt collection and financial misrepresentation. 
Supporting Federal Laws & Regulations : Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. XXXX et seq. Protects against unauthorized withdrawals. 
Uniform Commercial Code ( UCC ) : XXXX Demand for presentment of the original wet-ink signed promissory note. 
XXXX Holder in due course status and proof of assignment. 
XXXX Full accounting request. 
XXXX Proof of ownership and assignment of secured debt. 
Truth in Lending Act ( TILA ), 15 U.S.C. XXXX et seq. Requires proof of actual loaned funds and lawful contract consideration. 
Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXXg Requires debt validation and prohibits improper collections. 
Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq. Ensures accurate and lawful reporting of debt. 
IRS XXXX XXXX ( XXXX XXXX. XXXX ) Requires creditors to issue XXXX if a debt is written off.

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