Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Consumer Financial Protection Bureau Complaint Complainant : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Failure to Validate Charged-Off Accounts, Provide Proof of Ownership, and Issue XXXX Forms Accounts in Question : - XXXX XXXX  Account ending in XXXX ( Charged Off ) - XXXX XXXX Account ending in XXXX ( Charged Off ) - XXXX XXXX  Account ending in XXXX ( Charged Off ) Complaint Summary : I am submitting this complaint regarding XXXX XXXX XXXX accounts that have been reported as charged off but have not been properly validated or verified, as required under federal law. 
On XX/XX/year>, I sent a formal written request to XXXX XXXXXXXX asking for proof of ownership, account validation, and any IRS Form XXXX ( Cancellation of Debt ) that may have been issued for these charged-off accounts. This request was made pursuant to the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), and the Internal Revenue Code, 26 U.S.C. 6050P, which requires creditors to file a 1099-C for canceled or forgiven debts. 
To date, XXXX XXXX  has not provided : - Verification or validation of these accounts ; - Proof of lawful ownership or servicing rights ; - Copies of any original signed agreements ; or - Confirmation or copies of any IRS Form XXXX filed for the charged-off balances. 
XXXX XXXX continues to report these accounts as charged-off with outstanding balances to credit bureaus without providing evidence that they are accurate or valid. This is a violation of the FCRAs accuracy and verification requirements ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) and my rights under the FDCPA. 
Requested Action by CFPB : I am requesting the CFPB to investigate and require XXXX XXXXXXXX to : XXXX. Provide complete validation and documentation for each account ; XXXX. Confirm whether any Form XXXX was filed for these charged-off accounts ; XXXX. Correct or remove any inaccurate or unverifiable credit reporting ; and XXXX. Provide written confirmation of compliance with all applicable consumer protection laws. 
Desired Resolution : - Written confirmation and validation of all three accounts ; - Copies of any IRS Form XXXX filed or confirmation that none were filed ; - Deletion or correction of any inaccurate credit reporting ; - Assurance that XXXX XXXX ceases all collection or reporting activities until verification is completed. 
This complaint is made in good faith to ensure accuracy, transparency, and fair treatment under federal consumer protection laws. 
Sincerely, 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