Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Summary of Complaint I am filing this complaint because [ Creditor ] is reporting and collecting on a charged-off account in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and federal tax law. Despite charging off this account, [ Creditor ] continues to : Assess and report monthly interest and fees, which is inaccurate, misleading, and unlawful ; and Fail to issue IRS Form 1099-C ( Cancellation of Debt ), which must be filed when a debt is canceled, discharged, or otherwise written off. This conduct results in materially inaccurate reporting on my credit report and causes financial harm. Violations 1. Inaccurate Reporting of a Charged-Off Account FCRA 607 ( b ) The FCRA requires furnishers to report with maximum possible accuracy. A charged-off account, by definition, is written off the creditors books. Reporting it as still accruing monthly interest is factually inaccurate and materially misleading. Continuing to report a fluctuating balance after charge-off is deceptive because the debt has been written off as uncollectible. 2. Failure to Provide 1099-C IRS Regulation ( 26 U.S.C. 6050P ) Creditors are legally required to issue Form 1099-C when {$600.00} or more of debt is discharged, canceled, or written off. I have never received a 1099-C, which means the creditor has either failed to issue the required form or is improperly reporting a written-off account as still collectible. 3. Unlawful Interest Accrual Post Charge-Off Once an account is charged off and written off, the creditor may not continue charging monthly interest and simultaneously claim the account is a loss for accounting purposes. This practice is inherently inconsistent, deceptive, and violates FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or reasonably should know is inaccurate. 4. Failure to Provide Documentation of Debt Validity FCRA 623 ( b ) ( 1 ) I formally disputed this account and requested supporting documentation, yet the creditor has failed to provide any proof of the alleged balance, contractual interest terms, or charge-off documentation. Without documentary evidence, continued reporting is unlawful. Harm Because the creditor is reporting a charged-off account as though it is still active and accruing interest, my credit report reflects an inflated and false balance, which has lowered my credit score, limited my access to credit, and caused ongoing financial injury. Requested Relief I respectfully request that the CFPB require [ Creditor ] to : Immediately remove this account from all consumer reporting agencies ( Experian, Equifax, and TransUnion ) ; OR At minimum, update the tradeline to reflect a {$0.00} balance, with no further interest accrual, and ensure it is properly coded as charged off/closed. Provide documentation of whether a 1099-C was filed with the IRS and provide me a copy. Cease all further violations of the FCRA and tax law. Attachments Copy of my original dispute letter. Copy of credit report showing continued interest accrual. Copy of creditors response ( or lack thereof ). SS Card Proof of address And proof of Certified Mail sent

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