Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint regarding a debt that XXXX is reporting on my personal credit report under Account XXXX XXXX. This account is listed as a charge-off, but the following issues violate my rights as a consumer under the FCRA 623 and potentially under IRS Code 6050P.

This is not my account. I dispute the validity of the debt itself. 

Failure to provide proper verification upon request. Despite multiple written communications, I never received proper verification under FCRA, including : No full accounting breakdown No detailed charge-off explanation or documentation Inconsistent and conflicting numbers between my credit report, the invoice sent by mail, and what was stated by their representative via email Account marked as Charged-Off without a 1099-C being issued.

If the debt was truly charged off and forgiven, I should have received a 1099-C under 26 U.S. Code 6050P If no 1099-C was issued, the charge-off status may be inaccurate and misleading Improper verification process. I disputed this item with the credit bureaus, and the account was verified without any explanation or evidence being provided to me. 
When I requested the method of verification from the company, I was told they have a department that works directly with the credit reporting agencies but I was never given : Any copy of the communication The procedure used to verify Any opportunity to review or contest it Failure to respond. Their representative stopped replying to my email requests after I pointed out these inconsistencies and cited my rights under the FCRA. 

I contacted this company because it just appeared on my credit report as a debt owed, and when I disputed it the information was adjusted claiming I owed even more and that it was a charge off. When I requested validation the numbers don't match with what is being reported on my credit report, and when I asked for validation of the charge-off I was told that they have a department that deals directly with the credit reporting agencies, and I was never given that documentation as requested, and the representative stopped responding to my messages. Additionally, I just received an invoice in the mail that does not reflect the same information as what is listed on my credit report or what was stated in the emails. See Email Chain Below RE : Request for Verification of Alleged Debt Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To XXXX XXXX XXXX XXXX XXXX XXXX have filed consumer dispute with the credit reporting agencies and we are responding with what they have asked us for. We have a department that does that directly with the credit reporting agencies once you file the dispute. We just received the 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 XXXX  Subject : RE : Request for Verification of Alleged Debt Account Number XXXX Thank you for your response regarding the validation of the alleged commercial debt associated with account number XXXX. However, I noticed that your validation did not include any documentation or explanation of the charge-off status reported on my credit file. Under my rights granted by the Fair Credit Reporting Act ( FCRA 623 ), I am requesting the following : Official documentation showing the charge-off date and reason. A copy of all communications regarding the charge-off, including notices sent to me. Proof that the charge-off was accurately reported to the credit bureaus. If this information can not be provided, I request that the charge-off be immediately removed from my credit report due to lack of verification. Please respond in writing within 30 days, as required by federal law. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wrote : Good morning XXXX. Just to clarify, this is not a consumer debt. This is a XXXX debt with a XXXX XXXX. I have attached a copy of the noncancelable commercial lease agreement with personal guarantor, the equipment acceptance form, the electronic signature XXXX XXXX and a copy of the payment history. The last payment that cleared in this lease is {$570.00} 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 Subject : Request for Verification of Alleged Debt Account Number XXXX Good Morning XXXX, I recently noticed a charged-off account reported by your company on my credit file under account number XXXX. I am formally requesting full verification of this alleged debt under the Fair Credit Reporting Act ( FCRA 623 ) to ensure its accuracy. Please provide the following : A signed agreement or contract proving my liability for this debt. A detailed account history with a breakdown of the principal, interest, fees, and payments. Proof of charge-off details, including the date of delinquency and when it was reported to the credit bureaus. Until you provide proper verification, I dispute the accuracy of this debt and request that you pause all collection activity and remove this charge-off from my credit report if it can not be substantiated. Please respond in writing within 30 days of receipt of this request. Respectfully, 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 XXXX XXXX XXXX XXXX XXXX XXXX Good afternoon XXXX, I XXXX forwarded your chat inquiry. I can be reached at XXXXXXXX XXXX XXXXXXXX. Please call me so I can try to assist you on this defaulted lease. I am here until XXXX XXXX XXXX today. We are contacting you today about the obligations you have under the XXXX you signed with XXXX. It is a non-cancellable XXXX. Regardless of vendor issues, or equipment issues, you are obligated to make the monthly payment. Prior to commencing the lease, we confirmed you understood the terms and conditions of the lease. You signed the XXXX as a personal guarantor. In doing so, you agreed to personally guarantee all payments would be made. Whether you are still associated with the business or not, you are obligated to make the lease payments. The financial responsibility exists for you, regardless of the status of the business or the equipment. AS REQUIRED BY LAW YOU ARE HEREBY NOTIFIED THAT A NEGATIVE CREDIT REPORT REFLECTING ON YOUR CREDIT RECORD MAY BE SUBMITTED TO A CREDIT REPORTING AGENCY IF YOU FAIL TO FULFILL THE TERMS OF YOUR CREDIT OBLIGATIONS. Please contact us today so we can discuss your options and find a resolution that works for you. Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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