Debt collection -- Attempts to collect debt not owed -- Complaint #5343999
Complaint Overview
Complaint ID: 5343999
Company: Experian Information Solutions INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Texas
ZIP Code: 77095
Date Received: 2022-03-20T12:00:00-05:00
Date Sent to Company: 2022-03-20T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I had a debt on my credit report from XXXX. After attempts to dispute it with them for many years, I gave up. XXXX then randomly sent me a 1099-C cancellation of debt - code G " Decision or policy to discontinue collection. Decision or a defined policy of the creditor to discontinue collection activity and cancel the debt. '' They sent this 1099-C form to an old employers address. Thankfully my employer had my info to send it to me or else i would not have gotten it. XXXX also sent it 10 months after they had cancelled the debt ( and they sent it past the XX/XX/31 deadline ). With that said, experian is still showing it as a collections account on my credit report. I submitted a dispute and provided the documents showing the debt has been cancelled at the creditors request, and i also showed them that the debt is also 7 years old, so it should have been removed just on the statute of limitations alone. They came back with dispute results and said that " XXXX verified the information as accurate, so no changes were made ''. This legally is supposed to be removed from my credit report. Im not sure why they insist on keeping something on my credit report that not only has the documentation to prove its cancelled/discharged, but if XXXX is truly verifying this as an accurate debt, that means theyre actively going against the 1099-C " Cancellation of Debt '' IRS form they sent me , and i will have to let the IRS know that I have reported this as income due to cancellation of debt, but that XXXX is not honoring it XXXX as i no longer have any responsibility for the amount owed.
Frequently Asked Questions
What is Complaint #5343999 about?
Complaint #5343999 was filed against Experian Information Solutions INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2022-03-20T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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 (Debt collection) 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.