Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX VALIDATION AND PROOF OF CLAIM IS STILL REJECTED WILLFUL NONCOMPLIANCE Violation 1. ) trying to collect a charge off you dont have legal rights too.

2. ) Furnishing deceptive forms.

3. ) False and misleading representation Collection of extensions of credit by extortionate.

4. ) Violate my right to privacy.

5. ) Sharing non-public personal information.

6. ) Willful noncompliance.

7. ) threaten to sue 12 CFR part 1016.7 And I am now exercising my right to opt out!

T o Whom it May Concern Last and final warning before I get my legal team involved. Your company is in direct violation of the FDCPA, TAX Regulations, PRIVACY ACT OF 1974 and the FCRA. I've exercised my right in the letter Ive sent your company by mail as well online.

15 usc 1692 ( A ) ( C ) Communication in connection with a debt collection. ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

The Definition of the word Communication ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 
This report is a form of communication, your company is using Experian, XXXX and XXXX as a medium to communicate to me about a debt I dont owe. 
Your company has no legal rights to a charge-off. As stated by the IRS, If your debt is forgiven or discharged, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. In general, if your debt is canceled, forgiven, or discharged, the amount of the canceled debt is taxable. If taxable, you must report the canceled debt on your tax. The key word in what the IRS definition of a charge off was you dont have to pay, so you can not attempt something that is canceled and written off as a tax deduction.

a Form 1099-C, means an applicable entity has reported an identifiable event to the IRS regarding a debt you owe. Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return Schedule 1 ( Form 1040 ), line 8c, if the debt is a nonbusiness debt ; Code GDecision or policy to
discontinue collection. Code G is used to identify cancellation of debt as a result of a decision or a defined policy of the creditor to discontinue collection activity and cancel the debt. For pur- poses of this identifiable event, a defined policy includes both a written policy and the creditor 's established business practice.

15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.

( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

26 CFR 1.6050P-1 - Information reporting for discharges of indebtedness by certain entities ( 9 ) No multiple reporting. If discharged indebtedness is reported under this section, no further reporting under this section is required for the amount so reported, notwithstanding that a subsequent identifiable event occurs with respect to the same amount. Further, no additional reporting.

( G ) A discharge of indebtedness pursuant to a decision by the creditor, or the application of a defined policy of the creditor, to discontinue collection activity and discharge debt. 
Your company XXXX can not mislead consumers in connection with any debt. XXXX can not make false legal form claims to sue for a debt your company dose not own. 
XXXX XXXX Code XXXX - Legal actions by debt XXXX ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall ( XXXX ) in the case of an action to enforce an interest in real property securing the consumers obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( XXXX ) in the case of an action not described in paragraph ( XXXX ), bring such action only in the judicial district or similar legal entity ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action. 
( b ) Authorization of actions XXXX in this subchapter shall be construed to authorize the bringing of legal actions by debt XXXX. 
Exhibit A is false documents trying to take me to court that is breaking the above federal law XXXX usc XXXX ( B ) Authorization of actions XXXX in this subchapter shall be construed to authorize the bringing of legal actions by debt XXXX.

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