Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12614126
Complaint Overview
Complaint ID: 12614126
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Florida
ZIP Code: 34116
Date Received: 2025-03-22T12:00:00-05:00
Date Sent to Company: 2025-03-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint due to the mishandling of a charge-off account associated with my business by XXXX XXXX XXXX Despite my consistent efforts to resolve this matter directly with XXXX XXXX since XXXX of 2023, the issue remains unresolved. Issue Summary : 1. Failure to Issue 1099-C : XXXX XXXX has not provided me with a Form 1099-C, even though the debt was charged off and remains under their ownership. I have not received any written notification or documentation confirming the cancellation of the debt or explaining why a 1099-C was not issued. If the debt has been forgiven or considered canceled, I require clarification as to why the form was not issued and reported to the IRS as required by law. 2. Improper Reporting to Personal Credit Report : The account in question was established under my business name. Despite being a business account, XXXX XXXX is improperly reporting the charge-off under my personal credit report, causing unjustified damage to my personal credit. I am requesting a clear explanation from XXXX XXXX as to why this business account is being reported under my personal credit instead of my business credit. Additionally, I am requesting this incorrect reporting be corrected and removed from my personal credit report immediately. 3. Failure to Provide Proof of Ownership : I have repeatedly requested documentation proving XXXX XXXX ownership of the account, along with confirmation that the debt has not been transferred or sold to another entity. XXXX XXXX has failed to provide any agreements, contracts, or documentation proving that I am personally liable for this business account. 4. Failure to Provide Complete Documentation : XXXX XXXX has not provided a complete account history or communication logs related to this charge-off. I am requesting a detailed account history, including all transactions, communication attempts, and any internal notes related to the issuance of a 1099-C or reporting of this account. Requested Resolution : I am requesting XXXX XXXX to : Provide a valid explanation as to why this business account is being reported under my personal credit report and to correct this reporting error immediately. Issue the Form 1099-C if the debt has been canceled or provide a valid explanation as to why it was not issued. Provide documentation verifying their ownership of the account, including all relevant agreements, contracts, and communication records. Provide a complete account history, including payment records, transaction logs, and evidence of all communication attempts. Confirm if this matter has been reported correctly to the IRS if applicable
Frequently Asked Questions
What is Complaint #12614126 about?
Complaint #12614126 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-03-22T12:00:00-05:00.
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.