Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have reached out to Experian numerous times and sadly I have to continue this fight to have them to remove inaccurately reporting accounts. In IRS Publication 4681 states that canceled debts or charged off accounts are considered INCOME and income is not to be included in any credit reports. 

I am writing to formally dispute inaccurate information on my credit report that you have failed to properly reinvestigate, in direct violation of the Fair Credit Reporting Act ( FCRA ). The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for consistently failing to conduct reasonable reinvestigations of consumer disputes, mischaracterizing dispute information, and allowing inaccurate information to persist in credit files. I believe my case falls within the scope of these allegations. 

The following account ( s ) contain inaccurate or unverifiable information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : The Account was never late please remove the late payments from XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX : The Account was never late please remove the late payments from XX/XX/XXXX through XX/XX/XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX : The Account was never late please remove the late payments from XX/XX/XXXX and XX/XX/XXXX. 

These accounts are reporting as Charged Off Accounts and Pursuant to IRS Publication 4681 Cancelled Debts/ Charged Off Accounts are classified as INCOME. The reporting of these accounts as debt is inaccurate. I never received a 1099-A or C from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the cancelled debt. Income is not to be included in a credit report. So Please DELETE/ REMOVE/ BLOCK these accounts. Thanks I have attached supporting documents including screenshots from the IRS website. 

Under 15 U.S.C. 1681i ( a ) of the FCRA, Experian is required to conduct a reasonable reinvestigation and provide accurate results. The CFPBs lawsuit highlights Experians repeated failures, including : Failure to forward all relevant dispute information to furnishers. 
Uncritical acceptance of unreliable furnisher responses. 
Issuing misleading and contradictory reinvestigation results to consumers. 
Improper reinsertion of previously deleted information. 
Given these legal violations, I demand that Experian immediately : Reinvestigate the disputed information in good faith, forwarding all supporting documentation to the furnisher. 
Delete or correct any inaccurate or unverifiable information. 
Provide a clear and accurate written response detailing the outcome of the reinvestigation. 
If Experian fails to comply, I will escalate this matter to the CFPB, the Federal Trade Commission, and pursue legal remedies as necessary. Please respond within 30 days as required by law. 

Sincerely, XXXX XXXX XXXX : Screenshots

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