Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #10987759
Complaint Overview
Complaint ID: 10987759
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Tennessee
ZIP Code: 38128
Date Received: 2024-12-01T12:00:00-05:00
Date Sent to Company: 2024-12-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Tn XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Verification and Copy of 1099-C for Charged-Off Account Dear Experian, I am writing to formally dispute the reporting of a charge-off account listed on my credit report. The account information is as follows : Creditor Name : XXXXXXXX XXXX Account XXXX Date of Charge-Off : XX/XX/year> I request that you verify this debt in accordance with the Fair Credit Reporting Act ( FCRA ) and provide me with all supporting documentation, including a copy of IRS Form 1099-C, if applicable. If the debt has been forgiven or written off by the creditor, as indicated by the charge-off status, the creditor is required to issue a 1099-C for the amount canceled. Please note that failure to verify or provide the requested documentation within 30 days may result in my request to have this item removed from my credit report. I have attached a copy of my drivers license/state ID to verify my identity. Additionally, I have enclosed a copy of my credit report highlighting the disputed account. Thank you for your attention to this matter. I look forward to your prompt response. If you need any further information, please do not hesitate to contact me at XXXX or XXXX Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #10987759 about?
Complaint #10987759 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2024-12-01T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.