Consumer complaint received 2025-02-17 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/year> XXXX Experian Transunion XXXX : Formal Dispute Regarding Non-Compliance with FCRA ( XXXX XXXX XXXXXXXX ) To Whom It XXXX Concern, I am writing to dispute formally the erroneous credit reporting and inability to examine and investigate disputes in the inquiries of : XXXX. Address removal & name changes XXXX. The collection agency of XXXX XXXX XXXX who has not supplied original contract, signature, or insurance of said company XXXX. XXXX XXXX who has misused and miscommunicated the words " written off '' and " charged off, '' which can mislead and cause conflicts with the charged-off status. The balance reporting as " written off '' and " past due '' simultaneously creates a misleading debt account, which can cause deception and negligence from XXXX and all reporting agencies, thus causing harm to my financial standing. 

You have not notified me of your non-compliance with the Fair Credit Reporting Act ( FCRA ). Your actions, or lack thereof, have resulted in negligence, causing harm to my financial standing. 
Under XXXX XXXX XXXXXXXX, any person who is negligent in failing to comply with the FCRA XXXX liable for actual damages sustained by the consumer, along with reasonable attorneys fees if legal action is required. Your failure to address specific violation, correct inaccuracies, respond within the required timeframe, and attest to provide requested information directly violates the FCRA and has negatively impacted me by denied credit, financial loss and emotional distress. 

These uses continue to be and issue : XXXX. The Inconsistent Reporting of Account Status My credit report reflects an account as both written off and charged off simultaneously. These are distinct classifications, and such contradictory reporting creates confusion and potential financial harm. Under the FCRA, credit information must be accurate, complete, and verifiable. I request clarification and correction of this discrepancy immediately. 

XXXX. IRS Reporting Without Proper Documentation If this account was reported to the IRS as a charged-off debt, you are required to provide a XXXX Cancellation of Debt form for tax reporting purposes. Failing to do so violates IRS regulations and the FCRAs accuracy requirements. XXXX XXXX and XXXX XXXX XXXX XXXX must verify whether this debt was reported to the IRS and, if so, furnish the corresponding XXXX form promptly. 

XXXX. Validation of Account Information I request full validation of this account from XXXX XXXX, including : * A detailed breakdown of how the balance was determined, including any fees, interest, or adjustments. 
* A complete payment history for the account. 
* Documentation proving the debts legal ownership. 
* Securing Date of Title and Proof of Insurance If this account is related to a vehicle loan, I am requesting the following : * The official date of title transfer to validate ownership changes. 
* Proof of insurance coverage during the disputed period to confirm compliance with lender requirements. 
* The signature that I put on the contract guarantering that I would pay this creditor XXXX XXXX XXXX. 
* Copy of original agreement *Proof that XXXX XXXX XXXX was authorized and has the chain of title to collect this debt, including documentation of any transfer of ownership or assignment. 

Under the FCRA, I have the right to request an investigation into these matters. You are legally required to : XXXX. Conduct a reasonable investigation within 30 days of receiving this dispute. 
XXXX. Provide me with written verification and corrections if inaccuracies are found. 
XXXX. Remove or correct any unverifiable or inaccurate information from my credit report. 

Failure to comply with these requirements constitutes negligence under XXXX XXXX. XXXX, making Experian, Equifax, and Transunion plus all said companies liable for actual damages and legal fees. If these violations are not corrected, I will be forced to escalate this matter, including potential legal action. 

I expect a written response with resolution details no later than [ Date XXXX XXXX  from receipt ]. Please mail all responses to the address provided above. 

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