Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #9401242
Complaint Overview
Complaint ID: 9401242
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: Georgia
ZIP Code: 30083
Date Received: 2024-07-01T12:00:00-05:00
Date Sent to Company: 2024-07-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am disputing this because the creditor did not provide me with a Form 1099-C ( Cancellation of Debt ). According to IRS regulations, creditors are required to issue a 1099-C when they discharge {$600.00} or more of a debtors obligation to repay. The lack of a 1099-C suggests that the debt may not have been legally canceled, and therefore, the write-off should not be reported on my credit report.
Frequently Asked Questions
What is Complaint #9401242 about?
Complaint #9401242 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 2024-07-01T12:00:00-05:00.
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.