Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SD

Complaint narrative:
1. Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Address identification number Not available Account number XXXX Recent balance {$7800.00} as of XX/XX/XXXX Status Closed. {$7800.00} past due as of XX/XX/XXXX. 
Date opened XX/XX/XXXX 2. Account name XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Address identification number Not available Account number XXXX .... 
Recent balance {$3500.00} as of XX/XX/XXXX XXXX Account charged off. {$2700.00} written off. {$3500.00} past due as of XX/XX/XXXX. 
Date opened XX/XX/XXXX 3. Account name XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Address identification number Not available Account number XXXX .... 
Recent balance {$3600.00} as of XX/XX/XXXX XXXX Account charged off. {$3600.00} written off. {$3600.00} past due as of XX/XX/XXXX. 
Date opened XX/XX/XXXX 4. 
Account name XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Address identification number Not available Account number XXXX .... 
Recent balance {$2300.00} as of XX/XX/XXXX XXXX Account charged off. {$2300.00} written off. {$2300.00} past due as of XX/XX/XXXX. 
Date opened XX/XX/XXXX XXXX. Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Recent balance {$48000.00} as of XX/XX/XXXX XXXX Account charged off. {$48000.00} written off. {$48000.00} past due as of XX/XX/XXXX. 
Date opened XX/XX/XXXX XXXX. Error submitting dispute Account name XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Address identification number Not available Account number XXXX .... 
Recent balance {$6900.00} as of XX/XX/XXXX XXXX Account charged off. {$6900.00} written off. {$6900.00} past due as of XX/XX/XXXX. 
Date opened XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX ( I have never lived at this address nor have connections to this address ) Remove this inaccurate information. 


These accounts were legally cancelled, and I have received a 1099-C Cancellation of Debt from the creditor, meaning the debt has been forgiven. Reporting a charged-off balance while a 1099-C has been issued is both inaccurate and misleading, violating my rights under the Fair Credit Reporting Act ( FCRA ) and IRS regulations. 

Legal Basis for Deletion : Violation of 15 U.S.C. 1681s-2 Reporting Inaccurate Information The FCRA mandates that creditors and credit bureaus must report only accurate and complete information. Since a 1099-C has been issued, the creditor has already classified this debt as forgiven, meaning no outstanding obligation exists. 
Continuing to report this as an unpaid charge-off is legally inconsistent with the creditors own tax filing. 

IRS Rulings Debt Cancellation Means No Further Collection The IRS considers a 1099-C issuance as an event of debt cancellation, meaning the creditor has discharged the debt and has no right to continue reporting it as an outstanding balance. 

Relevant Case Law : In re XXXX, XXXX XXXX. XXXX ( XXXX. XXXX. XXXX XXXX ) A creditor who issues a 1099-C may be precluded from further collection or reporting of the debt as due. 
Violation of 15 U.S.C. 1681i Failure to Properly Investigate As a consumer, I have the right to dispute inaccurate or misleading items on my credit report. If the creditor has legally cancelled the debt for tax purposes, it must be reflected as such on my credit report. You are required to conduct a reasonable investigation and, if the account can not be verified as currently owed, it must be deleted. 

Request for Immediate Deletion Since this debt has been cancelled, reporting it as a charge-off is both inaccurate and damaging to my credit profile. Please delete this charge-off entry from my credit file immediately. 

Requested Resolution : Immediately delete this charge-off account from my credit report due to its inaccurate reporting. 
Provide written confirmation of the deletion within 30 days, as required by law. 
Ensure this account is not reinserted into my credit file unless full verification is provided. 

Failure to comply will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and legal action for willful noncompliance under 15 U.S.C. 1681n. 

I expect your prompt response and compliance with my dispute request. Please send all correspondence to my address above.

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