Business Profile

Credit Reporting Agencies

Experian

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Complaints

This profile includes complaints for Experian's headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

15,102 total complaints in the last 3 years.
5,603 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Initial Complaint
Date:03/30/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I was utterly shocked and devastated upon discovering unauthorized accounts, ********************** inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!
Customer Answer
Date: 04/01/2025
Yes this was me who submitted the complaint
Business Response
Date: 04/09/2025
Our office recently received your correspondence regarding the above-mentioned consumers personal credit report.

We are currently reinvestigating the information with which the consumer disagrees. Upon completion of this process, we will provide the results of our investigation directly to the consumer. For information about Experians dispute process, please visit *******************************************************************.

For additional assistance, they may call the toll-free telephone number provided on their personal credit report obtained directly from Experian, or write to Experian at P.O. *************************

For information related to fraud,please visit our website at: ******************************************************.

Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you.

Sincerely,

*** *******
Senior Regulatory Affairs Associate
Experian Consumer Affairs
Initial Complaint
Date:03/30/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I was utterly shocked and devastated upon discovering unauthorized accounts, ********************** inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!
Customer Answer
Date: 04/01/2025
Yes I did authorize this on my behalf
Business Response
Date: 04/09/2025
Our office recently received your correspondence regarding the above-mentioned consumers personal credit report.

We are currently reinvestigating the information with which the consumer disagrees. Upon completion of this process, we will provide the results of our investigation directly to the consumer. For information about Experians dispute process, please visit *******************************************************************.

For additional assistance, they may call the toll-free telephone number provided on their personal credit report obtained directly from Experian, or write to Experian at P.O. *************************

Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you.

Sincerely,

*** *******
Senior Regulatory Affairs Associate
Experian Consumer Affairs
Initial Complaint
Date:03/30/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I was utterly shocked and devastated upon discovering unauthorized accounts, ********************** inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!
Customer Answer
Date: 03/31/2025
Yes this is me and I authorized both complaints
Business Response
Date: 04/09/2025
Our office recently received your correspondence regarding the above-mentioned consumers personal credit report.

We are currently reinvestigating the disputed **********-AIOYxxx, **********-ETS1xxx, and ********************xxx accounts ********************** with which the consumer disagrees. Upon completion of this process, we will provide the results of our investigation directly to them.

Our records indicate that TAB/SUNBIT 9516xxxx and TBOM/ACC *******xxx do not appear on the consumers current Experian credit report. We are sending a copy of their Experian credit report to them for review.

For additional assistance, they may call the toll-free telephone number provided on their personal credit report obtained directly from Experian, or write to Experian at P.O. *************************.
Customer Answer
Date: 04/09/2025
what got deleted ?
Business Response
Date: 04/16/2025
Our office recently received your correspondence regarding the above-mentioned consumers personal credit report.

According to our records, the **********-AIOYxxx, **********-ETS1xxx, and ********************xxx information is currently being disputed on the consumers current Experian credit report for the same reason. The **** provides up to ********************************************************************** which the consumer disagrees. Upon completion of this process, we will provide the results of our reinvestigation directly to the consumer.

For additional assistance, they may call the toll-free telephone number provided on their personal credit report obtained directly from Experian, or write to Experian at P.O. *************************.
Customer Answer
Date: 04/19/2025
To Whom It May Concern,

Thank you for your response regarding the disputed accounts on my ********************** report.

In accordance with the Truth in Lending Act (TILA), I am formally requesting that you provide all material disclosures related to the alleged debts in question. This includes, but is not limited to, the following:
1. Time-step disclosures including the APR, finance charges, total amount financed, payment schedule, and total of payments as required under 15 U.S. Code 1638.
2. A copy of the original signed contract or agreement which created the obligation, as per UCC ***** and UCC *****, establishing the existence and terms of any such agreement between myself and the named creditor.
3. Documentation proving that the account was lawfully assigned or transferred to your agency for collection or reporting, if applicable.
4. Proof that proper disclosures were provided at the time of origination, as required under federal law and Regulation Z.

Under TILA, failure to provide accurate disclosures may constitute a violation subject to civil liability, and under 15 U.S. Code 1640, I reserve the right to pursue damages if it is determined that violations have occurred.

This is a good faith attempt to obtain verification and validation of the alleged debt under applicable federal and commercial law. If you are unable or unwilling to provide the requested information, I request the immediate removal of the disputed accounts from my ********************** report.

Please respond in writing within the time allowed under the **** and TILA statutes. Any further reporting of unverifiable information may be considered willful noncompliance and could result in further action.
Initial Complaint
Date:03/30/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries that have appeared on my credit report as a result of identity theft. I am a victim of the recent Experian data breach, and unauthorized accounts have been opened in my name without my knowledge or consent.Pursuant to 15 U.S.C. 1681c-2(a), I request that Experian:Immediately block all fraudulent accounts and inquiries related to identity theft.Permanently delete all fraudulent information from my credit file.Provide written confirmation once the fraudulent items have been removed.I have enclosed the following documents to support my claim:A copy of my government-issued ID (drivers license or passport).A copy of my proof of address (utility bill, bank statement, or lease agreement).A copy of the police report or identity theft affidavit verifying the fraud.A list of fraudulent accounts and inquiries that must be blocked and removed.Under federal law, you are required to process this request promptly and without charge.Account Name: GREEN ******** Account Number: ****************
Customer Answer
Date: 03/31/2025
I authorize this complaint
Business Response
Date: 04/10/2025
Our office recently received your correspondence regarding the above-mentioned consumers complaint.

Our records indicate that the disputed information does not appear on the consumers current Experian credit report. We have mailed a current Experian credit report directly to the consumer for review.

For additional assistance, they may call the toll-free telephone number provided on their personal credit report obtained directly from Experian, or write to Experian at P.O. **************************

For information related to fraud, please visit our website at: ******************************************************.

Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you.

Sincerely,

*** *******
Senior Regulatory Affairs Associate
Experian Consumer Affairs
Initial Complaint
Date:03/30/2025
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
To Whom It May Concern, I am writing to file a formal complaint regarding inaccurate and misleading information being reported on my credit file. Upon reviewing my credit report, I identified an account that incorrectly reflects multiple late payments,including a 90-day late status. These derogatory marks were reported during a period when the account was in an active forbearance agreement.Pursuant to the CARES Act and FCRA guidelines,accounts that are placed in forbearance should not be reported as delinquent during the relief period.Therefore, the reporting of any late payments ,especially a 90-day late status is in direct violation of federal consumer protection laws and credit reporting accuracy standards. These accounts are listed with late or missed pay and that is incorrect.The followin g accounts were NEVER late and should be listed as PAYS or PAID AS AGREED : Name : **** OFED/AIDVANTAGE Account numbers/amount : ********/ ***************/ ***************/ ***************/ ***************/ ***************/ ***************/ ***************/ ***************/ *************/ $556
Customer Answer
Date: 03/31/2025
I authorize the submission of this complaint and that Im requesting assistance from BBB. This company continues to provide incorrect information on my credit score and has my Student Loans marked as 90 days late when they are in forbearance. I talked to AIDVANTAGE ( student loan services) and they verified and sent me proof that I was never behind . I want my account to reflect that Im in good standing and the 90 days late removed off of my account. This drastically tanked my credit score but was inaccurately reported which is illegal.
Business Response
Date: 04/10/2025
Dear Better Business Bureau:

Our office recently received your correspondence regarding the above-mentioned consumers personal credit report.

We are currently reinvestigating the information with which the consumer disagrees. Upon completion of this process, we will provide the results of our investigation directly to the consumer.

For additional assistance, they may call the toll-free telephone number provided on their personal credit report obtained directly from Experian, or write to Experian at P.O. *************************

Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you.

Sincerely,

******* Esquivel
Experian Consumer Affairs
Senior Regulatory Affairs Associate
Customer Answer
Date: 04/11/2025

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,

****** *****
Initial Complaint
Date:03/30/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I have tried to contact every one of the companies listed and most of them do not even have any record of me. How can they have a permissible business purpose to pull my credit if they don't even know who I am? This has resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. All of the aforementioned hard inquiries are the result of fraud. I have attached a copy of my FTC Identity Theft as proof from the *************************** that all of the aforementioned hard inquiries are the result of fraud. This complaint has been filed to request pursuant to **** 605B (15 U.S.C. 1681c-2) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize
Customer Answer
Date: 03/31/2025
I have tried to contact every one of the companies listed and most of them do not even have any record of me. How can they have a permissible business purpose to pull my credit if they don't even know who I am? This has resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. All of the aforementioned hard inquiries are the result of fraud. I have attached a copy of my FTC Identity Theft as proof from the *************************** that all of the aforementioned hard inquiries are the result of fraud. This complaint has been filed to request pursuant to **** 605B (15 U.S.C. 1681c-2) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of fraud within 4 business days of you receiving this complaint. The following items do not belong to me and
is a result of fraud that I did not authorize
Business Response
Date: 04/10/2025
Dear Better Business Bureau:

Our office recently received your correspondence regarding the above-mentioned consumers complaint.

Our records indicate that the disputed information does not appear on the consumers current Experian credit report. We have mailed a current Experian credit report directly to the consumer for review.

For additional assistance, they may call the toll-free telephone number provided on their personal credit report obtained directly from Experian, or write to Experian at P.O. **************************

Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you.

Sincerely,

******* ********
Experian Consumer Affairs
Senior Regulatory Affairs Associate
Initial Complaint
Date:03/30/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
March 30, 2025 Dear Experian Fraud Department,I am writing to formally dispute the inaccurate information appearing on my credit report in violation of the Fair Credit Reporting Act (FCRA). Despite multiple attempts to resolve this matter, Experian has failed to take appropriate action to correct or remove the erroneous listing of an account that does not belong to me.The account in question is listed under MOHELA with account number ***********. I have never held a loan with ******, and any claims that this account has been verified are incorrect. I have made multiple disputes requesting the removal of this fraudulent account, but ********************** continues to report it as verified and updated.Under the Fair Credit Reporting Act (FCRA), you are legally required to ensure that all information in a consumers credit report is accurate and verifiable:15 U.S. Code 1681i(a)(1)(A) states that if a consumer disputes the completeness or accuracy of any item of information, the consumer reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is accurate.15 U.S. Code 1681e(b) requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of consumer reports.15 U.S. Code 1681c(a) prohibits the inclusion of inaccurate and unverifiable information on a consumers credit report See attached documentation! iWhen I attempt to access the alleged account using my Social Security number and date of birth, MOHELAs system does not recognize my information, further proving that this account is not mine.Given this clear evidence, I demand that Experian immediately remove the fraudulent MOHELA account from my ********************** report. If this matter is not resolved promptly, I will be forced to escalate my complaint to the ************************************ (****) and seek legal action for violations of the ****, which entitles me to statutory damages.***** V. *******
Customer Answer
Date: 03/31/2025
Experian has repeatedly violated the **** by continually refusing to acknowledge Identity Theft affidavit and allowing fraudulent accounts to remain on consumers report. Experian solution is for the consumer to reach out to the creditor. I don't have nor have I ever had any business nor loan with MOHELA.
Business Response
Date: 04/10/2025
RE: ***** *******
Complaint ID # ********

Dear Better Business Bureau:

Our office recently received your correspondence regarding the above-mentioned consumers personal credit report.

We are currently reinvestigating the information with which the consumer disagrees. Upon completion of this process, we will provide the results of our investigation directly to the consumer.

For additional assistance, they may call the toll-free telephone number provided on their personal credit report obtained directly from Experian, or write to Experian at P.O. *************************

For information related to fraud,please visit our website at: ******************************************************.

By federal law, the consumers personal credit report must list all organizations that have requested their credit history. In accordance with the Fair Credit Reporting Act, entities who have certified to Experian that they have a permissible purpose may inquire about credit information. For example, organizations that have granted the consumer credit or with whom they have applied for credit, or entities collecting on transactions that they initiated or on judgments rendered against them, are permitted to make inquiries on their credit report. Requests for a consumers credit history remain on the personal credit report for at least two years.

Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you.

Sincerely,

Experian Consumer Affairs
Customer Answer
Date: 04/12/2025
I AUTHORIZE THE BBB TO FILE THIS COMPLAINT ON MY BEHALF..
EXPERIAN HAS A HISTORY OF CONDUCTING SHAM INVESTIGATIONS OR NONE AT ALL. THEY ARE ALWAYS IN FAVOR OF THE CREDITORS, EVEN WHEN THE ***** IS IN THE PUDDING. GIVEN THE **** THAT THEY HAVE A CONFLICT OF INTEREST BECAUSE THEY ARE BEIING PAID BILLIONS TO KEEP NEGATIVE INFORMATION ON CONSUMERS REPORT. I HAVE NO FAITH THAT EXPERIAN WILL DO WHAT IS FAIR AND EQUITABLE TO ME THE CONSUMER.
Business Response
Date: 04/18/2025

Dear Better Business Bureau:

Our office recently received your correspondence regarding the above-mentioned consumers rebuttal of our response to their complaint.

Our records indicate that reinvestigations of the dispute information were completed on multiple occasions. In each instance, the creditors responded that the accounts/inquiries were accurately reported. The results of each investigation were provided directly to the consumer.

If the consumer has any additional supporting documentation regarding the disputed information, they may forward it directly to me for review.

Thank you for allowing me to assist you. Please contact our office if you have any questions.

Sincerely,

Experian Consumer Affairs
Initial Complaint
Date:03/30/2025
Type:Sales and Advertising Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I recent reviewed a copy of my credit report and found that I was a victim of identity theft,please remove these accounts that I do not recognize for my credit report. Its hurting my abilities to obtain correctly.***************************** Sunrise credit services group Sunrise credit services
Customer Answer
Date: 04/01/2025
I authorize this request
Business Response
Date: 04/08/2025

Dear Better Business Bureau:

Our office recently received your correspondence regarding the above-mentioned consumers personal credit report.

We are currently reinvestigating the information with which the consumer disagrees. Upon completion of this process, we will provide the results of our investigation directly to the consumer.

For additional assistance, they may call the toll-free telephone number provided on their personal credit report obtained directly from Experian, or write to Experian at P.O. *************************

For information related to fraud,please visit our website at: ******************************************************.

Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you.

Sincerely,

******* ********
Experian Consumer Affairs
Senior Regulatory Affairs Associate
Initial Complaint
Date:03/30/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I have tried to contact every one of the companies listed and most of them do not even have any record of me. How can they have a permissible business purpose to pull my credit if they don't even know who I am? This has resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. All of the aforementioned hard inquiries are the result of fraud. I have attached a copy of my FTC Identity Theft as proof from the *************************** that all of the aforementioned hard inquiries are the result of fraud. This complaint has been filed to request pursuant to **** 605B (15 U.S.C. 1681c-2) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize
Customer Answer
Date: 03/31/2025
I have tried to contact every one of the companies listed and most of them do not even have any record of me. How can they have a permissible business purpose to pull my credit if they don't even know who I am? This has resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. All of the aforementioned hard inquiries are the result of fraud. I have attached a copy of my FTC Identity Theft as proof from the *************************** that all of the aforementioned hard inquiries are the result of fraud. This complaint has been filed to request pursuant to **** 605B (15 U.S.C. 1681c-2) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of fraud within 4 business days of you receiving this complaint. The following items do not belong to me and
is a result of fraud that I did not authorize
Business Response
Date: 04/09/2025
Dear Better Business Bureau:

Our office recently received your correspondence regarding the above-mentioned consumers personal credit report.

We are currently reinvestigating the information with which the consumer disagrees. Upon completion of this process, we will provide the results of our reinvestigation directly to the consumer.

Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. Please contact our office if you have any questions.

Sincerely,
******* ********
Experian Consumer Affairs
Senior Regulatory Affairs Associate
Initial Complaint
Date:03/30/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I ************ account number ********* : Formal Dispute of Inaccurate Reporting Request for Removal, 1099-C Issuance, and Cease-and-Desist Notice Account Numbers *********: I ************ To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of the above-referenced accounts and to demand immediate corrective action pursuant to federal consumer protection laws, ***luding but not limited to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 1. Dispute of Account Reporting The accounts listed above have been reported as written off as profit/loss ( charge-off ). However, I have identified that these accounts are being repeatedly reported as new charge-offs with an outstanding balance, despite being previously written off. This constitutes inaccurate and misleading reporting in violation of the ****, specifically : 15 U.S.C. 1681e ( b ) : Duty to ensure maximum possible accuracy of information. 15 U.S.C. 1681s-2 ( b ) : Duty to investigate disputes regarding furnished information. By continuing to report these accounts inaccurately, i c system *** is damaging my creditworthiness, resulting in defamation of character and material harm to my financial reputation. 2. Request for 1099-C Issuance As these accounts have been charged off, I am requesting that you provide a copy of the *** Form 1099-C ( Cancellation of Debt ) for each account. The issuance of this form is required when a debt is canceled or written off and no longer collectible. Failure to provide this required documentation further demonstrates non-compliance with applicable consumer protection laws. 3. Cease-and-Desist Notification Under the ****** 15 U.S.C. 1692c ( c ), this letter serves as a formal cease-and-desist notice regarding all collection efforts related to these accounts. You are instructed to cease all forms of communication with me, ***luding but not limited to phone call email
Customer Answer
Date: 03/31/2025
I ******* ******* gives the BBB better business bureau authorization to assist with this formal complaint with I C system *** account number *********. I would like for this account to be block and deleted from my Transunion Equifax Experian consumer credit report immediately!
Business Response
Date: 04/10/2025
Dear Better Business Bureau:

Our office recently received your correspondence regarding the above-mentioned consumers complaint.

Our records indicate that the disputed information does not appear on the consumers current Experian credit report. We have mailed a current Experian credit report directly to the consumer for review.

For additional assistance, they may call the toll-free telephone number provided on their personal credit report obtained directly from Experian, or write to Experian at P.O. **************************

Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you.

Sincerely,

******* ********
Experian Consumer Affairs
Senior Regulatory Affairs Associate

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Experian is NOT a BBB Accredited Business.