Consumer complaint received 2025-01-23 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: FL

Complaint narrative:
On XX/XX/XXXX, I sent my First Dispute and Validation request to XXXX, Experian, and XXXX utilizing a 3 in one Credit report. 

On XX/XX/XXXX, I received a mailed response only from XXXX stating that the copies of my Driver License and Social Security ids I sent were unreadable. 

On XX/XX/XXXX, I resent a Second Dispute and Validation request to XXXX, Experian, and XXXX with updated credentials as requested to then have my Dispute and Validation request processed. 

As of XX/XX/XXXX I have not received any updates from XXXX, Experian, nor XXXX regarding updates to my credit reports. 

Within my Dispute and Validation request starting on XX/XX/XXXX, I have requested a copy of each of the XXXX documents and the dates of actual charge off whicXXXX XXXX XXXX provided to the XXXX for the 2 charged off account balances for XXXX XXXX  XXXX and XXXX XXXX. 

After a review of each of my XXXX Transcripts provided by the XXXX for the years of XXXX XX/XX/XXXX, no XXXX was filed by XXXX XXXX  for these two charged off account amounts : The XXXX account had a charge off amount of {$870.00} ( Paid for less through XXXX party Collector for {$340.00} ). 
The CareCredit account had a charge off amount of {$970.00} Note : Per the XXXX ( TOPIC XXXX, Cancelled Debt ) : If your debt is forgiven or discharged for less than the full amount owed, 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. If you own property securing a debt, cancellation of the debt may occur due to foreclosure, repossession, voluntary transfer of the property to the lender, abandonment of the property, or a mortgage modification. In general, if your debt is canceled, forgiven, or discharged for less than the amount owed, the amount of the canceled debt is taxable. If taxable, you must report the canceled debt on your tax return for the year in which the cancellation occurred. After a debt is canceled, the creditor may send you a XXXX XXXX, Cancellation of Debt showing the amount canceled and date of cancellation. Contact the creditor if you receive a XXXX reflecting incorrect information. If a creditor continues to attempt to collect the debt after you receive a XXXX, the debt may not have been canceled and you may not have income from a canceled debt. Verify your specific situation with the creditor. Your responsibility to report the correct taxable amount of canceled debt as income on your tax return for the year in which the cancellation occurred remains, regardless of the accuracy of the XXXX XXXX you received. In general, you must report any taxable amount of a canceled debt as ordinary income. 
File Form XXXX for each debtor for whom you canceled {$600.00} or more of a debt. 
XXXX Courseware XXXX XXXX XXXX XXXX XXXX XXXX or creditors are required to issue Form XXXX, Cancellation of Debt, if they cancel a debt owed to them of {$600.00} or more, Generally, an individual taxpayer must include all canceled amounts ( even if less than {$600.00} ) on the " Other Income '' line of Form XXXX. 

I have provided documentation within my Dispute and Validation request confirming that XXXXXXXX XXXX charged off the XXXX and XXXX XXXX accounts prior to the accounts being sent to 3rd parties. 
According to the XXXX  the account balances are income to me, therefore they should not have gone to collection or been allowed to be purchased by a debt collector. 

As of XX/XX/XXXX, XXXXXXXX XXXX has provided me a XXXX form listing XXXX XXXX name, yet listing the Debt Buyers address, along with incorrect information for my mailing address for the year XXXX, and the document lists an amount of {$2900.00} which is not related to my Dispute and Validation of the XXXX and XXXX XXXX charged off amounts. 
I have provided a copy of the XXXX to show delay of my Dispute and Validation request XXXX, Experian and XXXX at this time.

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