Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX Account # XXXX I sent an initial complaint dated XX/XX/XXXX with the inaccuracies that are being reported differently across Experian, XXXX and XXXX XXXX They ( XX/XX/XXXX ) received that letter with certified returned receipt on XX/XX/XXXX. Their response was a " canned '' response that all is well and they are reporting out accurately. A second letter was sent today ( XX/XX/XXXX ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX To Whom it May Concern, I am writing to dispute the following inaccurate information being reported on my XXXX, Experian, and XXXX XXXX reports : Dispute # XXXX XXXX XXXX XXXX Account # XXXX Installment The ACCOUNT TYPE is it XXXX XXXX as indicated on XXXX and Experian? or is it - as indicated on XXXX? Please verify and Delete the inaccurate account. 

Dispute # XXXX XXXX XXXX XXXX Account # XXXX Installment The MONTHLY PAYMENT why is it reporting {$XXXX} on XXXX and Experian and XXXX XXXX I have a monthly payment where is that information? Please verify and Delete the inaccurate account. 

Dispute # XXXX XXXX XXXX XXXX Account # XXXX Installment The DATE OPENED is it XX/XX/XXXX as indicated on XXXX XXXX is it XX/XX/XXXX as reported by Experian ad XXXX XXXX Please verify and Delete the inaccurate account. 

Dispute # XXXX XXXX XXXX XXXX Account # XXXX Installment The NUMBER OF MONTHS ( TERMS ) XXXX XXXX reporting XXXX and XXXX XXXX reporting XXXX Which is it? Please verify and Delete the inaccurate account. 

Dispute # XXXX XXXX XXXX XXXX Account # XXXX Installment The LAST REPORTED Is it XX/XX/XXXX as reported by XXXX XXXX is it XX/XX/XXXX as reported by XXXX XXXX Please verify and Delete the inaccurate account. 

Dispute # XXXX XXXX XXXX XXXX Account # XXXX Installment The DATE LAST ACTIVE Is it XX/XX/XXXX as reported by XXXX XXXX is it XX/XX/XXXX as reported by Experian? Or is it XX/XX/XXXX as reported by XXXX? Please verify and Delete the inaccurate account. 

Dispute # XXXX XXXX XXXX XXXX Account # XXXX Installment The DATE OF LAST PAYMENT Is it XX/XX/XXXX as reported by XXXX XXXX is it XX/XX/XXXX as reported by XXXX XXXX Please verify and Delete the inaccurate account. 

The basis for this request is that the information you have furnished to the credit reporting agencies is inaccurate and/or unverifiable, and as such, it should not be included in my credit report in accordance with the FCRA. Specifically, the following violations have occurred : 1. **Failure to Provide Accurate Information ( 15 U.S.C . 1681s-2 ( a ) ) ** : The information you reported is inaccurate and has not been corrected despite my previous disputes.

2. **Failure to Reinvestigate Disputed Information ( 15 U.S.C . 1681s-2 ( b ) ) ** : You did not properly reinvestigate the disputed information as required by the FCRA. 
I am formally notify you of several serious issues regarding my account, specifically your failure to provide the required Form 1099-C, as well as violations of both tax regulations and the Fair Credit Reporting Act ( FCRA ).

**Failure to Provide Form 1099-C** Under 26 U.S. Code 6050P, you are required to file a Form 1099-C with the Internal Revenue Service ( IRS ) and provide a copy to me when you cancel a debt of {$XXXX} or more. Despite the cancellation of my debt, I have not received this form from your company. This failure to comply with IRS regulations constitutes a serious violation and can be considered tax fraud.

**Violation of Tax Regulations** Your failure to issue a Form 1099-C as mandated by 26 U.S. Code 6050P is a violation of federal tax law. This omission prevents me from properly reporting my income to the IRS, which may expose me to potential penalties and interest for underreporting income. Additionally, it constitutes tax fraud under 26 U.S. Code 7206, which addresses fraud and false statements.

**Violation of the Fair Credit Reporting Act ( FCRA ) ** Furthermore, your actions are in violation of the Fair Credit Reporting Act, codified at 15 U.S. Code 1681s-2. This section requires furnishers of information to provide accurate information to credit reporting agencies and to correct any inaccuracies. Your failure to provide accurate information, including the status of my debt, has caused inaccuracies on my credit report, which negatively affects my creditworthiness.

In light of these violations, I am requesting the following actions : 1. Immediate issuance of Form 1099-C for the canceled debt.

2. Deletion of any inaccuracies related to this debt on my credit report.

5. Settlement offer will be set to the address listed above.

6. Payment will be made within 30 days from receipt of this letter to consumer.

7. {$XXXX} settlement requested.

Failure to address these issues promptly will leave me with no option but to pursue all available legal remedies, including filing a complaint with the IRS, the Consumer Financial Protection Bureau ( CFPB ), and potentially initiating legal action. 

Given these violations, I am requesting that [ XXXX ] immediately cease reporting the inaccurate information and delete the account from my credit report. Please send me a written confirmation of the deletion within 30 days of receiving this letter. 

Thank you for your prompt attention to this matter. Failure to comply with this request may result in legal action being taken against your company for non-compliance with the FCRA.