Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint regarding Experian poor handling of my credit report disputes and a number of other serious issues that have negatively impacted my credit score and financial stability. These issues have persisted over several years, and despite my efforts to resolve them, I have not seen any meaningful resolution. Specifically, I would like to address the following matters : 1. Inaccurate Information on My Credit Report and Poor Dispute Investigations I have repeatedly disputed inaccuracies on my Experian credit report, specifically names that do not match the information on my official identification card. These discrepancies are not only misleading but have caused significant harm to my credit score. Despite submitting proper documentation and my identification, Experian has failed to correct these inaccuracies. Experian has not adequately investigated my disputes, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates that credit reporting agencies must conduct a reasonable investigation of disputes and correct any inaccuracies. The failure to properly address these disputes and remove incorrect names is a clear violation of this statute. 2. Unauthorized Verification of Information Furthermore, during my interaction with an Experian representative, I was informed that Experian had verified a name on my credit report without my consent. I had explicitly requested that this name be removed, but despite my clear instructions, Experian proceeded with verifying this name. Additionally, I was spoken to rudely by the Experian representative during this interaction, further compounding my frustration. This unauthorized verification is not only a violation of my rights under the FCRA but also infringes upon my right to privacy and the integrity of my personal information. Under the Uniform Commercial Code ( UCC ) 3-501 and CFR 16 660.10, consumers are entitled to ensure that their personal information is protected and not misrepresented without proper consent. Also, I would like to request their method of verification on each report that has reported on my credit report. 3. Failure to Provide 1099-C Forms for Charge-Offs I am also concerned that I have not received 1099-C forms for charge-offs from several creditors, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These charge-offs have been reported on my credit report , but I have not received the required 1099-C forms that should be issued when a debt is canceled, which is required by the Internal Revenue Code and the IRS. Failure to issue these forms has led to confusion regarding my tax obligations and further financial hardship. 4. Delayed Response to Prior Complaints In XXXX of 2024, I filed formal complaints with the credit bureaus regarding these issues. Despite the passage of months, I have yet to see any meaningful changes or corrections made to my credit report. This is not a new issue, as these problems have been ongoing for years. 5. Request for Compensation Given the clear violations of my rights outlined above, I request that I be compensated for each instance of harm caused by Experian failure to comply with both the Fair Credit Reporting Act ( FCRA ) and the Uniform Commercial Code ( UCC ). I also ask that the inaccurate information be corrected, and that the proper 1099-C forms be issued to me for the charge-offs. Experian actions, or lack thereof, have caused significant damage to my credit score, financial stability, and peace of mind. I am requesting that these issues be resolved promptly, and that I receive compensation for the distress and harm I have experienced. I look forward to your assistance in resolving this matter and would appreciate a timely and thorough investigation into the violations I have outlined. Thank you for your attention to this complaint. Sincerely Yours

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