Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) Complaint Subject : Experian Failure to Delete Charge-Offs, Noncompliance with FCRA, and Fraudulent Reporting CFPB I am filing this formal complaint against Experian for XXXX failure to comply with the Fair Credit Reporting Act ( FCRA ) and for fraudulent reporting of charge-offs that violate federal law. 
Despite submitting a previous dispute on XX/XX/year> ( CFPB Complaint Number : XXXX ) regarding discrepancies on my credit report, Experian has failed to take any corrective action within the legally required 30-day timeframe, which is a clear violation of 15 U.S. Code 1681i ( a ) ( 1 ) ( A ). 

1. Illegal Reporting of Charge-Off Accounts Charge-off accounts can not legally remain on a credit report once the debt has been canceled or forgiven, as they are considered income under IRS regulations. Reporting a charge-off while failing to issue a 1099-C cancellation of debt form constitutes fraud.

Despite providing Experian with official IRS-approved 1099-C documents in my prior complaint, the following companies continue to illegally report charge-offs on my credit file : * XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681s-2, furnishers must report accurate information and can not attempt to collect on debts that have been canceled. Continuing to report these charge-offs violates federal law, and I will be filing an IRS complaint against these creditors for fraudulent reporting. 
Additionally, the attempt to collect on a canceled debt is a direct violation of federal law and constitutes an unfair, deceptive, and abusive practice ( XXXX ), as defined under

12 U.S. Code 5531. 2. Experian Has Exceeded the 30-Day Response Deadl
ine Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to investigate disputes within 30 days. My initial dispute was submitted on XX/XX/year>, and more than 30 days have passed without resolution. 
Experians failure to investigate and respond within the legally mandated timeframe means that the above accounts must be permanently deleted immediately. 

XXXX. The CFPB Is Actively Suing Experian for FCRA Violations This is not an isolated issuethe CFPB is currently suing Experian for : * Failing to properly investigate consumer disputes * Misrepresenting credit scores to consumers * Engaging in deceptive credit reporting practices This ongoing lawsuit proves that Experian has a systemic pattern of violating consumer protection laws, and my case is yet another example of Experians deliberate noncompliance with federal regulations. 

XXXX. DEMAND FOR IMMEDIATE ACTION & PERMANENT DELETION Due to these severe legal violations, I demand that Experian immediately and permanently delete the following accounts from my credit report : * XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I demand a written confirmation stating that these accounts have been permanently removed. 
If these demands are not met immediately, I will : * File a lawsuit against Experian for willful violations of the FCRA under 15 U.S. Code 1681n.

* Report these fraudulent charge-offs to the IRS for attempting to collect on a canceled debt. 
* Seek punitive damages beyond the statutory penalties allowed under federal law. 
Experian has consistently ignored federal consumer protection laws and must be held accountable for its repeated violations. I urge the CFPB to take immediate action to ensure that these fraudulent charge-offs are permanently deleted and to impose appropriate penalties against Experian for its noncompliance. 

Sincerely, XXXX XXXX