Consumer complaint received 2025-03-04 00:00:00
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.
State: GA

Complaint narrative:
Dear Experian, I recently reviewed my consumer credit report and noticed that XXXX has conducted an investigation regarding certain accounts. As a result of their findings, XXXX has removed the following accounts from my credit report : XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX Department of Education Account XXXX XXXX XXXX XXXX XXXX Additionally, I have received a Form 1099-C from XXXX XXXX  XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX and the Department of Education XXXX confirming that these debts were discharged and written off as income by their respective creditors. 

According to IRS regulations, once a debt has been canceled and reported as income via a 1099-C, it can no longer be reported as an outstanding debt on a consumer credit report. Reporting discharged debt as collectible is inaccurate and misleading under the Fair Credit Reporting Act ( FCRA ). 

Furthermore, 15 U.S.C. 1681s-2 ( a ) ( 2 ) ( iv ) of the FCRA mandates that if an investigation determines previously reported information was inaccurate, the furnisher must promptly notify each consumer reporting agency and provide the necessary corrections. Since Equifax has removed these accounts, Experian must also update my file accordingly.

Request for Method of Investigation In accordance with 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) of the FCRA, I also formally request that Experian provide a detailed description of the method used to investigate the following : 1. The Above-Listed Accounts How Experian verified the accuracy of these accounts.

The parties contacted during the investigation.

Any supporting documentation used to verify the information.

2. Dismissed XXXX  Additionally, my credit report reflects the following dismissed XXXXXXXX, which I need further clarification on : XXXX XXXX XXXX Date Filed : XX/XX/year> Reference # : XXXX XXXX XXXX XXXX Date Filed : XX/XX/year> Reference # : XXXX Since these XXXX  were dismissed and are not valid discharges of debt, I request the following details regarding their reporting : The method Experian used to verify and retain these bankruptcies. 
The source of this information. 
Any documentation Experian used to confirm their validity for reporting. 
Given the documented discharge of debts and the dismissal of these bankruptcies, I formally request that Experian remove these inaccurate accounts and dismissed bankruptcies immediately and provide written confirmation once these corrections have been made. 

Thank you for your prompt attention to this matter. If you require any additional information, please feel free to contact me. 

Sincerely, XXXX 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