Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my SECOND ATTEMPT to Dispute information as an official complaint with CFPB about Experian reporting False and Inaccurate information on my Credit Consumer Report. 
My initial Complaint with CFPB was on XXXX complaint Number XXXX with NO Success. 
My attempt to resolve the issue with Experian over the Phone was on XXXX XXXX with NO Success either. 
I have attempted over the past few months previous to these complaints to rectify the issue through the ways of Letters and Online disputes with NO success and or explanation of the investigations and re-investigations. I have NOT received any information on the Investigations and relevant information as to who what when and HOW this information Experian reports every month was accurate. I am entitled to this information so I can follow up on it all. 

I requested Experian to investigate and then re-investigate XXXX XXXX XXXX Account number XXXX which shows charge off on my consumer credit report for over 2 years. I requested that because the amount is over {$600.00} and NO 1099c was given since any " Canceled debt '' over {$600.00} according to The IRS canceled debt is to be reported as income and no longer able to be claimed as debt. Canceled debt must be reported as taxable income and filed through Form 1099-C. If the canceled amount is {$600.00} or more, then an individual is required to file with the IRS. In addition to this violation Experian continuously reports CO from XXXX of XXXX to present essentially re-setting the CO date each and every month. All of these I also asked Experian to investigate and then Re-investigate XXXX Account number XXXX which shows charge off on my consumer credit report Since XX/XX/XXXX to XX/XX/XXXX These INACURACIES are adversely affecting my credit report and ability to obtain new credit. I called Experian and requested INFORMATION pertaining to this issue ONLY and was told that they could NOT provide ANY information on who and what was used to legitimatize this investigation and re-investigation. I spoke with many representatives at Experian on XXXX XXXX only to end up talking to a XXXX named XXXX on the same day about XXXX who ultimately informed me the only thing he could do is dispute the matter again. I argued that I do NOT wish to be flagged as a frivolous disputing person since I have already disputed the account several times and that Experian 's Investigation and Re-Investigation would have proved with the factual evidence and by law should be removed from credit profile had it been investigated properly in the first time. I exhausted all my abilities to rectify the issue with Experian which included the request to speak to a legal dept, other managers or higher up managers via phone and or email to which XXXX declined and ultimately hung up on me. 
Please VIEW the attached Jpegs to see and verify MY identity and MY factual Disputes and Evidence to support the issue at hand. DO NOT RESPOND AGAIN WITH NOT HAVING ANY AND ALL REQUIRED INFORMATION NEEDED AGAIN.

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