Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
On XX/XX/year>, I sent issued a formal debt validation request letter to XXXX XXXX XXXX XXXX  XXXX concerning an alleged debt supposedly originating from the XXXX XXXX XXXXXXXX XXXX. This request was made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

I specifically requested the following three fundamental pieces of information required to properly assess the validity, age, and legal enforceability of the debt : The date of first delinquency The date of charge-off The date of last payment XXXX XXXX XXXX response failed to provide any of these critical details. Instead, I was sent a generic account summary listing amounts related to registration, book fees, and late feesnone of which satisfy the legal obligation to provide accurate and itemized validation of debt under 15 U.S.C. 1692g ( b ). 

Additionally, XXXX XXXX XXXX response does not meet standards of accuracy required by the FCRA. Under the Fair Credit Reporting Act, the following provisions apply : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers of information to consumer reporting agencies must provide accurate information.

15 U.S.C. 1681s-2 ( b ) Upon notice of dispute, furnishers must conduct a reasonable investigation and correct or delete inaccurate information.

15 U.S.C. 1681e ( b ) Credit reporting agencies must maintain procedures to ensure maximum possible accuracy of consumer information.

15 U.S.C. 1681g ( a ) ( 1 ) Consumers have the right to obtain all information in their file at the time of request.

15 U.S.C. 1681c ( a ) ( 4 ) A debt may not be reported more than seven years after the date of first delinquency. 

Despite this, the alleged debt does not appear on any of my credit reports from Equifax, Experian, or TransUnion, meaning the debt was never listed or reported by the XXXX credit reporting agencies as the debt has been discharged & forgiven in the first place.

The debt has already been discharged by the original creditor, the XXXX XXXX XXXX XXXX, who issued a Form 1099-C, canceling the obligation and reporting the cancellation to the IRS under 26 U.S. Code 6050P. A previous debt collector, XXXXXXXX XXXX XXXXXXXX, ceased all collection activity upon being notified of this discharge. 

Despite this, XXXX XXXX XXXX has inexplicably resumed collection efforts, raising serious legal concerns. Any continued attempt to collect on a discharged debtespecially one for which a 1099-C has been issued constitutes violation of : Unfair or deceptive practices under 15 U.S.C. 1692e Harassment under 15 U.S.C. 1692d Collection of non-existent or unenforceable debt under both FDCPA and FCRA guidelines

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