Consumer complaint received 2025-07-10 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:
Response from XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX To Whom It May Concern, This correspondence serves as a formal rebuttal and continued dispute of the alleged debt referenced in XXXX XXXX XXXX and XXXX XXXX XXXX XX/XX/year> response to my Consumer Financial Protection Bureau ( CFPB ) complaint. After a thorough review of your claims and the documents you provided, your response is legally insufficient and fails to meet the burden of proof required under both federal and state law, includingbut not limited tothe Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and generally accepted accounting principles ( GAAP ). 

1. Lack of Proper Validation Under 15 U.S.C. 1692g The FDCPA requires that a debt collector provide proper validation of a debt, including the name of the original creditor and sufficient verification of the alleged obligation. A generic billing statement and a self-generated account summary do not suffice.

You failed to provide : A wet-ink signed original contract bearing my signature and consent to the alleged terms ; A complete and unbroken chain of title from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX dates of assignment and consideration paid ; A GAAP-compliant accounting ledger showing itemized debits, credits, charge-off entries, and how the alleged balance was derived ; Any evidence that the statutory right to collect this alleged debt was lawfully transferred to you in accordance with applicable laws. 

Without these elements, your claim is unverifiable, and continued attempts to collect or report such debt may constitute false, deceptive, or misleading representations under 15 U.S.C. 1692e ( 2 ) ( A ), ( 8 ), and ( 10 ).

2. Misrepresentation Regarding 1099-C Obligations Your letter improperly attempts to deflect responsibility by stating that a 1099-C is not required. Yet IRS regulations ( see IRS Pub. 4681 and 26 CFR 1.6050P ) outline that the lender/owner of a canceled or discharged debt must issue a 1099-C when a qualifying identifiable event occurs, such as a charge-off. 

You state that XXXX XXXX XXXX charged off the debt, yet no documentation shows that this debt was legally transferred to you along with the right to collect. You can not have it both ways : if you claim legal ownership post-charge-off, then you inherit the accounting implications. If there is no 1099-C, this raises questions about the legitimacy of the charge-off and the alleged debt itself. 



3.Insufficient Chain of Title and Ownership Proof The so-called chain of title document included in your response lacks date stamps, assignment details, and authenticated evidence of lawful ownership. Nowhere in your submission is there any notarized assignment or contract confirming XXXX acquired this specific account. 

This failure violates : 15 U.S.C. 1681s-2 ( b ), as it shows you are furnishing information to credit bureaus without verified accuracy ; UCC Article 9-203, which requires a valid security interest ( including rights in the collateral ) to be attached and perfectedespecially in commercial paper such as charged-off receivables. 

4. Failure to Provide GAAP-Compliant Accounting Records You did not provide a comprehensive accounting ledger tracing : The original balance from inception ; Interest or fees added ; Any adjustments, write-offs, or sales at discount ; Who was paid what, and when ; Proof of any outstanding liability owed by me. 

In the absence of this accounting, there is no legal basis for asserting the alleged balance is accurate, let alone collectible. 

5. Continued Reporting of a Disputed and Unverified Debt Under 15 U.S.C. 1681s-2 ( a ) ( 3 ) and ( b ), once a dispute is made known, the furnisher must : Conduct a reasonable reinvestigation ; Cease reporting if the debt can not be verified ; Mark the account as disputedwhich you have done, but this does not cure the lack of verification. 

Failure to delete unverifiable data may constitute willful noncompliance under 15 U.S.C. 1681n, opening you to liability and statutory damages.

6. Legal Demand Accordingly, I demand that : 1. All references to this alleged account be immediately deleted from all consumer reporting agencies under your control ; 2. You cease and desist all collection activity, including third-party contact, until and unless proper validation and chain of title are provided ; 3. You provide the original signed agreement, not a facsimile, and full GAAP accounting ; 4. You issue written confirmation of the deletion and account closure within 15 calendar days of this notice.

Failure to do so may result in : Additional complaints to the CFPB, FTC, and State Attorney General ; Potential civil litigation for violations of the FDCPA, FCRA, and other applicable consumer protection laws.

This is a continuing dispute. I reserve all rights, remedies, and defenses under law and equity.

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