Consumer complaint received 2025-11-21 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: FL

Complaint narrative:
A. ) The credit reporting agencies may be violating multiple federal laws, including the Fair Credit Reporting Act ( FCRA ), if they are misreporting your credit, failing to notify you of disputes, using your Social Security number without proper authorization, or not updating your report after a 1099-C debt cancellation. XXXX XXXX  Heres a detailed breakdown of the violations XXXX XXXX XXXX XXXX  Fair Credit Reporting Act ( FCRA ) Violations XXXX XXXX  The FCRA governs how credit information must be collected, reported, and corrected. Violations may include XXXX XXXX XXXX XXXX Failure to notify you of dispute results XXXX XXXX XXXX  Credit bureaus must inform you of the outcome of any dispute within 5 business days of completion. 
XXXX XXXX XXXX  Failure to verify disputed items XXXX XXXX  : If a company submits data about you, the credit bureau must verify its accuracy or remove it. 
XXXX XXXX XXXX Reporting inaccurate or outdated information XXXX XXXX  : This includes reporting debts that were canceled via a XXXX without updating the balance to zero. 
XXXX XXXX XXXX  Lack of permissible purpose XXXX XXXX XXXX If your credit report was accessed or used without your consent or a valid reason, thats a violation. 

XXXX XXXX XXXX  Unauthorized Use of XXXX ( Social Security Authorization ) XXXX XXXX  Form XXXX is used to authorize third parties to verify your Social Security number with the Social Security Administration. If : - You XXXX XXXX  never signed XXXXXXXX XXXX XXXX, and- Your SSN was used for credit reporting or profit-driven purposes, then this could constitute XXXX XXXX identity misuse XXXX XXXX or XXXX XXXX unauthorized access XXXX XXXX, potentially violating the FCRA and XXXX XXXX  Privacy Act of 1974 XXXX XXXX 

XXXX XXXX XXXX  1099-C and Debt Cancellation Reporting XXXX XXXX When a creditor issues a XXXX XXXX 1099-C ( Cancellation of Debt ) XXXX XXXX XXXX XXXX They are required to report the debt as canceled to the IRS. 
XXXX XXXX XXXX Credit bureaus must update your report XXXX XXXX  to reflect a {$0.00} balance. 
- If they continue to report the debt as active or unpaid, thats a XXXX XXXX misrepresentation XXXX XXXX and a XXXX XXXX violation of the FCRA * *. 

XXXX XXXX XXXX Chain of Title and Debt Ownership XXXX XXXX  Under the XXXX XXXX Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX XXXX XXXX Debt collectors must prove they have the legal right to collect a debt. 
- This includes providing a XXXX XXXX chain of title XXXX XXXX a record of ownership from the original creditor to the current collector. 
- If they can not provide this, they may be engaging in XXXX XXXX unlawful collection practices XXXX XXXX 

B. ) VIOLATE MY RIGHTS UNDER THE TRUTH IN LENDING ACT ( TILA ), SPECIFICALLY 15 USC 1640 ( F ) ( 2 ), WHICH LIMITS CONSUMER LIABILITY FOR UNAUTHORIZED USE OF A CREDIT CARD INCLUDING MY DRIVER LICENCES. I DID NOT AUTHOUTHORIZED ANY OF THESE COLLECTION COMPANIES TO GAIN, SELL, OR DISTRIBUTE : FURNISH ANY OF MY PERSONAL INFORMATION TO THE CREDIT AGENCIES FOR PROFIT. NEED A CHAIN OF TITLE AND STATMENT OF ACCOUNTS FOR ANY DEBT AND AS WELL AS ALL 1099C FILED FOR IRS TAX PURPOSES

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