Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX THIS IS A CONTINUATION/ ATTACHMENT TO COMPLAINTS # 's : XXXX and XXXX TO : Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a Attachment/ Continuation reference to Complaint # 's XXXX And XXXX file on XX/XX/XXXX. 


Subject : Final Demand for Deletion of Unverified Collection FCRA, IRS 1099-C, and Breach-Based Invalidation To Whom It May Concern, I am formally disputing and demanding the permanent deletion of one or more collection accounts on my credit report. These items are inaccurate, unverifiable, and may have originated or been handled illegallyparticularly due to data compromise during major credit bureau breaches.

SECURITY FAILURE AND DATA COMPROMISE As you are aware, each bureau has been involved in publicized data breaches affecting millions : XXXX  ( XXXX ) Exposed sensitive data for over XXXX XXXX consumers. 
Experian ( XXXX ) Breach exposed XXXX customer data. 
XXXX  ( XXXX ) Reported consumer data vulnerabilities. 
Any account alleged to be mine must be validated with additional scrutiny, given the elevated risk of identity theft due to your agencys failure to protect personal data.

DISPUTED COLLECTION INFORMATION
: Creditor/Collector Name : XXXX XXXX XXXX Account Number : Partial : XXXX Amount : {$1800.00} Date Opened/Reported : XX/XX/XXXX / Original Creditor : XXXX XXXX LEGAL REQUIREMENTS UNDER THE FCRA : In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), I am requesting : The deletion of this collection item unless : The original signed contract is produced, The full chain of assignment is proven ( original creditor to collector ), The debts current ownership and right to report are validated.

If the debt has been sold, transferred, forgiven, or discharged, I also demand that your records reflect that no further collection or reporting is legally valid.

IRS FORM 1099-C & TAX LAW CONSIDERATIONS Under IRS guidelines , a Form 1099-C ( Cancellation of Debt ) must be issued when a lender cancels or discharges more than {$600.00} of debt. If this account has been : Charged off, settled, forgiven, or Sold for less than the full balance ( debt buyer purchase ), ... then the original creditor or subsequent owner is legally obligated to issue a 1099-C to both me and the IRS. Once debt is cancelled or income is recognized by tax form, it is no longer legally collectible.

Therefore, if any party involved in this account : Issued or should have issued a 1099-C, No longer owns the account due to sale or write-off, Has collected tax benefit for the loss, ... then this item must be removed from my credit report immediately, as the debt no longer exists in full legal force.

DEMAND FOR IMMEDIATE ACTION : I hereby demand that this account be : Deleted immediately due to lack of proper validation and possible 1099-C filing, Not reinserted unless full validation and proof of tax status is provided, Reviewed for breach-related irregularities in origin and assignment.

Failure to delete this item will result in : Complaints to the CFPB, FTC, and Attorney General, Possible IRS notification to verify any 1099-C filings regarding the debt, Civil litigation for willful FCRA violations and defamation.

NOTICE : You have 30 days from receipt of this dispute to conduct your reinvestigation. If proper validation is not provided, the account must be permanently deleted under federal law.

Sincerely, XXXX XXXX All Rights Reserved Enclosures : Copy of government-issued photo ID Proof of address Copy of credit report with disputed item ( s ) highlighted

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