Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Internal Revenue Service XXXXXXXX XXXX  XXXX Subject : Suspicion of Tax Fraud. 
Referral Report of Tax Fraud Information - Form 3949-A Notice of Impending Litigation I am writing to bring to your attention a matter concerning my tax reporting. I have not received Form 1099-C from XXXX on multiple accounts and I believe this XXXX indicate potential tax irregularities. 

I have not received 1099-C forms from XXXX despite XXXX several due to XXXX reporting accounts XXXX, XXXX ( {$1600.00} written off ) XXXX ( {$100.00} written off ) as charged off accounts to my credit file and also having requested Form 1099-c several times through disputes. This has raised concerns regarding the accuracy of tax reporting. 

I have reviewed my transcripts through the IRS and there are no Form 1099-c attached to my name from XXXX. How can this be if XXXX is reporting charged off and states written off under status for each account listed in this complaint? 

I am requesting public and private accounting records for each account in question listed on this complaint. I want to review each accounting event from each of these disputed accounts. I want to refer XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and the ruling on what is recognized as proper accounting documentation. So no I will not be accepting billing statements. 

Due to these account reporting to my credit file as charged off and my request for Form 1099-c being ignored and unfulfilled I would like to report this information to assist in ensuring the integrity of the tax system. I believe there might be discrepancies that warrant further investigation. 

Exhibits to submit to IRS Form 3949a which is currently filled out ready to submit. 

CFPB complaint XXXX filed to XXXX on XX/XX/XXXX. A letter which was an attachment stating the responsibility of the creditor to send Form 1099-c to the consumer for debt charged off over {$600.00}. Also, a request that XXXX send Form 1099-c to the address listed in the letter. 

CFPB complaint XXXX filed to XXXX on XX/XX/XXXX. A letter which was an attachment stating the responsibility of the creditor to send Form 1099-c to the consumer for debt charged off over {$600.00}. Also, a request that XXXX send Form 1099-c to the address listed in the letter. 

A letter addressed to XXXX with XXXX XXXX of contact being the CFO. This letter states the responsibility of the creditor to send Form 1099-c to the consumer for debt charged off over {$600.00}. Also, a request that XXXX send Form 1099-c to the address listed in the letter. 

An XXXX response letter to a XXXX complaint dated XX/XX/XXXX which the company admits to the account being charged off XX/XX/XXXX. No Form XXXX have been issued. Seems to me the company admitted to fraud in writing. 


NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete disputed accounts reporting inaccurate, incomplete information.

I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages ( Statutory, emotional distress which was laid out in previous complaints, actual damages. ) that I may be entitled to under Section 616 and Section 617 if these disputed accounts reporting inaccurate, incomplete Information are not deleted immediately. I wanted to point out that under the FCRA that EACH VIOLATION is up to a {$1000.00} unlike the FDCPA where damages are paid per defendant. Theres quite a few violations Ive presented to your company from each disputed account listed below. A copy of this letter will be sent to your companys registered agent through the Secretary of State as well as the Federal Trade Commission to be part of a formal compliant and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 


Exhibits for FCRA violations. 
CFPB complaint XXXX submitted to transunion on XX/XX/XXXX *the account is reporting {$0.00} for high balance. FCRA violation. 
*theres no closed date reporting but the account status is reporting closed. Incomplete information. FCRA violation. 
XXXX XXXX theres no payment history reporting that month with payment history reporting before and after. 

CFPB complaint XXXX submitted on XX/XX/XXXX *Experian is reporting {$0.00} for high balance while transunion is reporting {$500.00}. FCRA violation. *There is only XXXX month reporting payment history which is inaccurate. 
*Experian has incomplete information for last verified while transunion is reporting XX/XX/XXXX. FCRA violation. 
Experian has incomplete information for closed date while transunion is XX/XX/XXXX *Experian is reporting paid for account status while transunion is reporting derogatory. FCRA violation. 
*account status states paid but creditor remarks states unpaid balance reported as a loss. FCRA violation. 

CFPB complaint XXXX submitted to Experian on XX/XX/XXXX *Equifax is reporting {$1600.00} for high balance while Experian is reporting {$0.00}. 
*Equifax is reporting XX/XX/XXXX for date of last activity while Experian is reporting XX/XX/XXXX. *Equifax is reporting XX/XX/XXXX for date reported while Experian is reporting XX/XX/XXXX. 
*Equifax is reporting XX/XX/XXXX for last payment while Experian is reporting XX/XX/XXXX *Equifax has incomplete information reporting for term length while Experian is reporting 24 months. 

Acct. XXXX reporting to Experian XXXX reporting {$0.00} for high balance * No reporting closed date but the account is reporting closed. 
* No data reporting in payment history for XX/XX/XXXX * No 30 day late reporting in payment history but reporting a charge off. 
* No 60 day late reporting in payment history but reporting a charge off * No 90 day late reporting In payment history but reporting a charge off Acct. XXXX ( {$100.00} written off ) * {$0.00} reporting for Experian on high balance and XXXX is reporting {$500.00}. 
* XXXX is reporting XX/XX/XXXX for last verified and Experian is incomplete. 
* XXXX is reporting derogatory for account status and Experian is reporting paid * No data reporting for XX/XX/XXXX in payment history * No data reporting for XX/XX/XXXX in payment history * No data reporting for XX/XX/XXXX in payment history * No data reporting for XX/XX/XXXX in payment history * No data reporting for XX/XX/XXXX in payment history * No data reporting for XX/XX/XXXX in payment history * No data reporting for XX/XX/XXXX in payment history * No data reporting for XX/XX/XXXX in payment history * No data reporting for for XX/XX/XXXX in payment history * No data reporting for XX/XX/XXXX in payment history Acct. XXXX ( {$1600.00} written off ) * {$0.00} reporting for high balance * Last verified is incomplete * No closed date reporting but the account status is reporting closed * No reporting for payment frequency. Incomplete information. 
* No 30 day late in payment history * No 60 day late in payment history * No 90 day late in payment history

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation