Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
State: CA
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:
XXXXXXXX XXXX XXXXs illegally trying to double collect money from me by reporting a debt that they told the Internal Revenue Service ( IRS ) that they took a loss on in XXXX and reduced their tax liability and " issued a 1098 debt cancellation form against my name to be paid via my income taxes '' while they are still monthly reporting to Experian, XXXX, and XXXX XXXX reporting agencies trying to collect this debt while fraudulently, illegally and erroneously dragging down my name and XXXX score for over 40 months. 

XXXX Bank is willfully, knowingly and illegally trying to double collect money from me by reporting a debt that they told the Internal Revenue Service ( IRS ) that they took a loss on in XXXX and reduced their tax payment liability and " issued a 1098 debt cancellation form against my name to be paid via my income taxes '' while they are still trying to collect and knowingly and willingly monthly reporting to Experian, XXXX, and XXXX XXXX reporting agencies trying to collect this debt while the credit bureaus Experian, XXXX and XXXX are knowingly and recklessly causing economic, physical and mental harm by dragging down my name and FICO score for over 40 months 1200 days. 

It is illegal and fraudulent for any company to knowingly and willingly tell the IRS that they took a financial loss and cancelled a debt to reduce their income tax liability then turn around and still try to " double dip '' on the consumer by intentionally and falsely seeking to collect/benefit twice on same such debt. They issued a 1098 for the consumer to pay, reduce their tax liability by said amount, yet they are knowingly and willingly reporting and trying to collect this same amount every month as recently as XX/XX/XXXX despite me disputing and writing all parties several times a year. This is illegal and egregious, malicious behavior that has caused reprehensible and irreversible and substantial harm to my credit, FICO, name and finances. I attempt several times a year to resolve this issue with XXXX Bank, Experian, XXXX and XXXX to no avail including most recently in XXXX and XXXX XXXX XXXX XXXX XXXXXXXX and XXXX. XXXX, Experian, XXXX and XXXX all respond with dispute resolved consumer disagrees ; without actually investigating ; further causing me harm day by day. I even recently in XX/XX/XXXX wrote Experian, XXXX and XXXX using the CFPB platform and again uploaded the IRS proof and again they responded with a reckless response and closed out the complaint. 

XXXX is intentionally and purposefully still reporting monthly to the XXXX credit bureaus against my name and XXXX causing me further harm day by day ; while fully knowing that they told the IRS that they took a loss and this debt was cancelled. This is illegal and purposeful. 

The Credit bureaus are also recklessly and willfully complicit by refusing to investigate, look at the paperwork provided and IRS records of company canceled the debt and Failed to investigate fraudulent, outdated errors reporting on my credit report as required by FCRA and CFPB consumer laws Discover Bank XXXX Furthermore such collections are against Federal and the State laws of California and you have violated my rights. IRS proof attached. 


XXXX, Experian, XXXX, and XXXX credit reporting agencies trying to collect this debt while fraudulently, illegally and erroneously dragging down my name and FICO score for over 40 months.

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