Consumer complaint received 2025-05-19 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: IN

Complaint narrative:
This letter is submitted through the Consumer Financial Protection Bureau ( CFPB ) as a formal demand for account-level documentation regarding multiple tradelines being reported on my consumer credit reports. I am not disputing these accounts at this time however, I am asserting my full rights under the Fair Credit Reporting Act ( FCRA ) and demanding that each data furnisher produce legally mandated documentation supporting the accuracy and completeness of their reporting. 

These furnishers are reporting severe derogatory information ( including charge-offs and past-due accounts ), but are failing to include key required data fields or documentation, such as : 1. Date of First Delinquency ( DOFD ) Necessary for for determining the 7-year reporting window under FCRA 605 ( c ).

2. Date of Last Payment Required to substantiate delinquency or charge-off claims.

3. Date of Charge-Off Must be reported clearly if applicable.

4. Full Chain of Assignment or Ownership If the debt was sold, transferred, or placed for collection, this must be documented.

The following accounts have been identified as problematic and potentially in violation of federal reporting requirements due to these omissions : Accounts in Question : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are being reported with incomplete, inconsistent, or unverifiable information across the major credit reporting agencies. I demand that each furnisher provide documentation that explicitly supports the continued reporting of these accounts. If such records can not be produced including charge-off notices, payment history, and documented chain of title then these accounts must be immediately corrected or removed as required under FCRA 611 and 623. 

I further expect that any furnisher failing to comply with this request will be held accountable under federal law for reporting inaccuracies or omissions. 


Account in question : XXXX XXXX XXXX Account No. XXXX Furthermore, XXXX XXXX is reporting this account as a charge-off. However, I have not received a Form 1099-C, which the IRS requires for cancellation of debts exceeding {$600.00}. The absence of this document raises serious legal concerns regarding : Whether the charge-off was properly executed ; Whether XXXX XXXX complied with IRS filing obligations ; Whether the reporting on my credit file is legally permissible or materially misleading. 

If XXXX XXXX can not provide all of the documentation listed above including charge-off details, 1099-C issuance, payment history, and proof of ownership I request immediate correction or removal of this tradeline as unverified and potentially inaccurate under FCRA 611 and 623 . 

I respectfully request CFPB oversight to ensure full compliance with consumer protection laws. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN 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