Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have repeatedly disputed inaccurate charge-off accounts on my credit report, yet Experian continues to verify these accounts without providing proof of proper verification. I recently received notice that you verified certain items from the following companies : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) I demand a detailed explanation of how these accounts were verified. Specifically : Who did you contact at the original credit grantor? 
Did you communicate in writing, by phone, or electronically? 
Was a Universal Data Form ( UDF ) used, or was this processed through an automatic dispute verification system? 
Did you reach out to them using the exact address and phone number listed on my credit report? 
The Fair Credit Reporting Act ( FCRA ) requires you to disclose this information within 15 days of my request. I do not want a generic response stating that you use " various methods of verification. '' I am demanding a specific response, including the full name of the individual you spoke with and how this verification was conducted. 

Additionally, I require the exact date of the commencement of delinquency for each of these accounts. The original creditors are required to provide this information, so you must have it. When exactly did these accounts allegedly become delinquent, and when will they be permanently removed from my credit report? Do not provide the general " 7-year rule '' answer, I expect the specific dates.

Furthermore, according to the IRS guidelines, when an account is charged off, it is considered taxable income, and a 1099-C Cancellation of Debt form is issued to the debtor. This means that I have already paid taxes on these accounts, and under the FCRA, an income can not be reported on a credit report. If these accounts were charged off and reported to the IRS, I request the 1099-C forms for each of these accounts as proof that they were properly charged off and can not be legally reported as outstanding debt. 

If you can not provide this documentation, these accounts are being wrongfully reported, and their presence is damaging my ability to obtain credit. As a result, they must be immediately deleted from my credit file. 

If you fail to provide the required verification details, 1099-C forms, and accurate reporting dates within 15 days, I will escalate this matter further, including filing additional complaints with the CFPB, the FTC, and the Attorney Generals Office , as well as considering legal action for ongoing violations of the Fair Credit Reporting Act ( FCRA ). 

I expect your prompt attention and a full response within 15 days. 

Best regards, 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