Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11453354
Complaint Overview
Complaint ID: 11453354
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: California
ZIP Code: 90019
Date Received: 2025-01-08T12:00:00-05:00
Date Sent to Company: 2025-01-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am disputing the following charge-offs on my Experian credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have been reported inaccurately/incompletely, in violation of 15 U.S.C. 1681s-2 ( a ), which mandates that furnishers report accurate and complete information to credit reporting agencies. Additionally : 1. No 1099-C Forms Issued : None of these creditors provided me with the required IRS Form 1099-C for charged-off debt as stipulated by the Internal Revenue Code ( 26 U.S.C. 6050P ) for canceled or forgiven debt exceeding {$600.00}. This raises questions about the validity of the charge-offs. 2. Failure to Verify Reporting Accuracy : Under 15 U.S.C. 1681s-2 ( b ), creditors must verify the accuracy of reported information when disputed. If these charge-offs can not be fully verified and shown to me HOW they were verified, they must be removed. The inaccurate reporting of these charge-offs has caused significant harm to my credit standing. I request that the CFPB investigate these violations and direct Experian to remove these charge-offs immediately if the creditors fail to verify their accuracy or comply with all applicable laws.
Frequently Asked Questions
What is Complaint #11453354 about?
Complaint #11453354 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-01-08T12:00:00-05:00.
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.