Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to inform you that the following account information is incorrect. I have not used any credit repair services. If, after any reinvestigation of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. Under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), it is explicitly stated that transactions between the consumer and the entity generating the report should not be included in the consumer reports. However, I have observed that Experian has included such information in my credit reports, which is a clear violation of Metro2 compliance guidelines.

I kindly request that you provide me with the Metro2 compliance disclosure regarding the reporting of transactions to a consumer reporting agency as per 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). It is imperative that the transactions reported as late payments, collection/charge-off status, and any other derogatory information be promptly deleted from my consumer reports, effective immediately.

I would like to emphasize that I am not seeking validation or verification of any information at this time. Therefore, I request that you refrain from responding with such tactics, as it would only serve to waste valuable time.

Furthermore, it has come to my attention that some of the negative accounts have been placed in Collection/Charge-Off Status without providing me with a copy of IRS Form 1099-C, Cancellation of Debt, as required by law. This action by Experian and the creditors reporting these collections/charge-offs, late payments, and other derogatory information on my consumer reports is in direct violation of 26 USC 6050P, which pertains to Returns Relating to the Cancellation of Indebtedness by Certain Entities.

I kindly request that the derogatory account information be expeditiously removed from my consumer reports within 30 days. Failure to do so will leave me with no choice but to officially file IRS Form 3949-A : Information Referral and IRS Form 211 : Application for Award for Original Information Overview with the Internal Revenue Service against all entities involved.

I trust that you will address this matter with the urgency it warrants and take the necessary steps to rectify the inaccuracies in my consumer credit reports as soon as possible. Please acknowledge receipt of this letter in writing, and kindly provide a timeline XXXX  - Account number XXXX : The open date varies on all XXXX bureaus- please remove this discrepancy. 
XXXX different dates are listed under " date of last activity. '' XXXX different dates are listed under " date of last payment, '' but I have never made any payments to this company. 

XXXX - Account number XXXX : The open date varies on all XXXX bureaus- please remove this discrepancy. 
XXXX different dates are listed under " date of last activity. '' XXXX different dates are listed under " date of last payment, '' but I have never made any payments to this company. 

XXXX XXXX XXXX  - Account number XXXX : The open date varies on all XXXX bureaus - please remove this discrepancy. 
XXXX different dates are listed under " date of last activity. '' XXXX different dates are listed under " date of last payment, '' but I have never made any payments to this company. 

XXXX - Account number XXXX : The open date varies on all XXXX bureaus- please remove this discrepancy. 
XXXX different dates are listed under " date of last activity. '' XXXX different dates are listed under " date of last payment, '' but I have never made any payments to this company. 




XXXX - Account number XXXX : Each bureau reports a different date of last activity. 
I disputed this account, but I did not receive any legally verifiable information regarding this account. 
This account has never been legally investigated or verified. You are reporting false information. 
The open date varies on all XXXX bureaus- please remove this discrepancy. 
XXXX different dates are listed under " date of last activity. '' XXXX different dates are listed under " date of last payment, '' but I have never made any payments to this company. 

XXXX XXXX XXXX - Account number XXXX : The open date varies on all XXXX bureaus - please remove this discrepancy. 
XXXX different dates are listed under " date of last activity. '' XXXX different dates are listed under " date of last payment. '' XXXX XXXX - Account number XXXX : Each bureau reports a different date of last activity. 
I disputed this account, but I did not receive any legally verifiable information regarding this account. 
This account has never been legally investigated or verified. You are reporting false information. 
The open date varies on all XXXX bureaus- please remove this discrepancy. 
XXXX different dates are listed under " date of last activity. '' XXXX different dates are listed under " date of last payment, '' but I have never made any payments to this company. 

XXXX XXXX XXXX - Account number XXXX : Each bureau reports a different date of last activity. 
I disputed this account, but I didnot receive any legally verifiable information regarding this account. 
This account has never been legally investigated or verified. You are reporting false information. 
The open date varies on all XXXX bureaus- please remove this discrepancy. 
XXXX different dates are listed under " date of last activity. '' XXXX different dates are listed under " date of last payment. '' XXXX - Account number XXXX : The open date varies on all XXXX bureaus- please remove this discrepancy. 
XXXX different dates are listed under " date of last activity. '' XXXX different dates are listed under " date of last payment. '' I kindly request that you verify this information and provide me with any documentation associated with your investigation. If you can not verify this information, I ask that you immediately remove it from my credit file.

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