Consumer complaint received 2025-09-02 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: LA

Complaint narrative:
XXXX XXXXXXXX collections acct XXXX XXXX was charged off in ( XXXX ) and XXXX collections bought this debt as a collection agency.I have requested the 1099c to support the charge off and it has not been sent. I have disputed this account as well with the credit bureaus and it comes back verified or updated. According to the Fair Credit Reporting Act ( FCRA ) and Code 15 U.S.C. 1681e ( b ), income that has been reported to the IRS via a 1099-C can not also be reported as a delinquent debt on a credit report. This is further supported by the ruling in Discover Bank v. Scheimer, 36 F.3d 1214. This is my 3rd request asking for the 1099c and debt validation. I have also provided screenshots of this account charged off as loss. I'm requesting that this account be deleted immediately or a 1099c be provided or a proper debt validation letter be submitted at this time none of the above have been supplied to me the consumer. I also have not been supplied with a written contract stating I have any obligation to this XXXX Collections whom my debt was turned over to your company just keeps posting letters as proof of debt validation and that is not a substantial agreement that I filed back in XXXX with the CFPB.I have placed all laws on this compliant and hope that they will be followed. Please do not post a letter that you sent to me that is not DEBT VALIDATION I need a signed contract that has my wet signature on it agreeing to pay XXXX Collections or XXXX for this account. If none of the above can be provided please delete this account or I will have my attorney reach out!!!! I will also provide the letter you attached to my original filing back in XXXX to show that this is not DEBT VALIDATION!!!! Your letter clearly states this is a debt collector at the bottom. Also there is discrepancies In the way the account is reporting. Please read as follow : violation of the Fair Credit Reporting Act ( FCRA ) XXXX XXXX Creditor : XXXX XXXX. 
Account Number : XXXX Date Opened : XX/XX/XXXX Status Reported : Account charged off. {$670.00} written off. {$670.00} past due as of XX/XX/XXXX. 

Nature of Dispute : The reporting of this account contains contradictory and inaccurate information : 1. The account is reported as charged off/ written off in XX/XX/XXXX, but also as {$670.00} past due as of XX/XX/XXXX. 
A balance can not simultaneously be written off and past due. 
This is inconsistent and misleading to anyone reviewing my credit. 
2. The payment history grid continues to show CO ( charge-off ) monthly through XX/XX/XXXX. While historical reporting of charge-off is allowed, marking an account as both charged off and past due is inaccurate under FCRA 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or should know is inaccurate. 
3. The balance was updated in XX/XX/XXXX, over a year after charge-off. Any post charge-off updates must comply with the original contract and applicable state law. If no such fees or interest were permitted, this constitutes inaccurate reporting. 

Requested Action : Under FCRA 611 ( 15 U.S.C. 1681i ), I am requesting that you : Conduct a reinvestigation of this account, delete the account entirely Please provide me with a written proof of the deletion within 30 days, as required by law. 

Thank you for your prompt attention to this matter. 


This Account violates metro2 & FCRA. Chargeoff but still reports a balance and monthly terms. DOFD re- aged, incomplete data ( no credit limit, terms and recent pmt ). Delete immediately for full compliance.

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