Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13009981
Complaint Overview
Complaint ID: 13009981
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: Alabama
ZIP Code: 365XX
Date Received: 2025-04-15T12:00:00-05:00
Date Sent to Company: 2025-04-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing a complaint against XXXX XXXX XXXX XXXX regarding a personal loan account that was charged off in XXXX. My credit report shows that {$6000.00} was written off, yet a remaining balance of {$5800.00} is still reported as past due as of XX/XX/XXXX. This reporting is unclear and potentially inaccurate. I have not received any IRS Form 1099-C, which should be issued if the debt was forgiven or canceled. Additionally, XXXX has not confirmed whether the debt was sold to a third-party collector or remains with them. I have requested clarification and documentation from both XXXX XXXX and the collection agency ( XXXX XXXX XXXX ), but neither has provided proof of ownership, a copy of the original agreement, or confirmation of the current legal status of the debt. This lack of transparency and proper reporting is harming my credit and may be in violation of the Fair Credit Reporting Act ( FCRA ). I am asking XXXX XXXX to clarify whether the debt was canceled ( and issue a 1099-C ), sold ( and update the tradeline to reflect {$0.00} balance ), or still owned by them ( with proper validation provided ).
Frequently Asked Questions
What is Complaint #13009981 about?
Complaint #13009981 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 2025-04-15T12:00:00-05:00.
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.