Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of the XXXX XXXX XXXX [ Account Number : XXXX ] account on my credit report. Your records indicate that this account has been verified and accurate, yet you have failed to provide me with the documentation XXXX XXXX XXXX allegedly sent to substantiate this verification. Your actions not only violate federal law but also Georgia state laws designed to protect consumers. 

Violations of Georgia Consumer Protection Laws 1. Georgia Fair Business Practices Act ( FBPA ) O.C.G.A. 10-1-390 et seq. 
The Georgia FBPA prohibits unfair or deceptive practices in consumer transactions. By refusing to provide documentation substantiating this accounts accuracy and continuing to report unverifiable information, you are engaging in practices that deceive and harm Georgia consumers. 
Violation : Reporting inaccurate or unverifiable credit information constitutes an unfair or deceptive act under Georgia law. 
2. Georgia Code for Credit Reporting O.C.G.A. 10-1-393.8 ( a ) Credit reporting agencies operating in Georgia are required to ensure the accuracy of all information reported. 
( b ) If a consumer disputes an account, the CRA must investigate and correct or delete inaccurate information. 
Violation : You have failed to delete or correct this account despite a lack of proper documentation from XXXX XXXX XXXX, violating Georgia law. 
3. Georgia Identity Theft Law O.C.G.A. 16-9-121 Georgias identity theft statute provides protections for victims of identity theft. If I provided documentation supporting my claim ( e.g., police report, FTC affidavit ), your refusal to block or delete the disputed account violates state law. 
Violation : Your failure to block this information as required under federal and state identity theft laws further compounds the harm caused by the inaccurate reporting. 
Violations of Federal Laws In addition to violating Georgia state laws, your actions also violate the following federal statutes : 1. Fair Credit Reporting Act ( FCRA ) FCRA Section 609 ( 15 U.S.C. 1681g ) : Failure to provide documentation used to verify the account. 
FCRA Section 611 ( 15 U.S.C. 1681i ) : Failure to conduct a reasonable reinvestigation of my dispute. 
FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Failure to ensure maximum possible accuracy. 
2. Internal Revenue Code ( 26 U.S.C. 6050P ) : If XXXX XXXX XXXX charged off the debt and claimed a tax write-off, they must issue a 1099-C Cancellation of Debt Form and update the balance to {$0.00}. 
3. Consumer Financial Protection Act ( CFPA 12 U.S.C. 5531 ) : Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : Refusing to provide documentation while continuing to report unverifiable information constitutes an unfair and deceptive practice. 
Charge-Off Reporting Inaccuracies This account is reported as a charge-off but still reflects a balance owed. Under federal and state laws : Debt Written Off by XXXX XXXX XXXX : If the debt was written off as a tax loss and XXXX issued or should have issued a XXXX, the balance must be updated to {$0.00}. 
Debt Sold to a Third Party : If XXXX sold the debt to a collection agency, the balance with XXXX must reflect {$0.00}. 
Failing to report this charge-off accurately misleads creditors and consumers, violating both Georgia and federal laws. 

To date, you have failed to provide any of these documents, which raises questions about the legitimacy of your claim that this account is verified and accurate. Your refusal to provide this information is a violation of my rights under the FCRA. 

Demands and Questions Where is the Documentation XXXX Allegedly Provided? 

If XXXX XXXX XXXX provided documentation to verify this account, why have I not received those documents? 
Provide copies of all records XXXX sent, including the original signed agreement, payment history, and verification correspondence. 
Why is the Charge-Off Not Updated to {$0.00}? 

If the debt was written off or sold, provide evidence showing why the balance remains owed and explain why the charge-off was not updated to {$0.00}. 
Immediate Action Required : If this account can not be verified with proper documentation, it must be removed from my credit report immediately under FCRA Section 611 ( a ) ( 5 ) ( A ) and O.C.G.A. 10-1-393.8 ( b ).

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