Consumer complaint received 2025-07-26 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: NY

Complaint narrative:
FORMAL NOTICE OF NONCOMPLIANCE, DEMAND FOR CORRECTION, AND IRS ESCALATION RE : XXXX XXXX Failure to Respond, Refusal to Honor Mailed Instruments, and Noncompliance with Federal and Tax Law To Whom It May Concern, This letter serves as a formal notice of your failure to comply with federal and statutory law regarding my dispute, mailed instruments, and the lawful reporting of any discharged or canceled debt. Your neglect and failure to lawfully respond constitutes multiple statutory violations, unethical conduct, and a breach of public trust. 



I. Summary of Events and Material Facts A written dispute, including negotiable bond instruments and a lawful request for cancellation of debt documentation ( IRS Form 1099-C ), was sent to you via USPS over 45 days prior to this notice. 
You failed to respond in writing within the 30-day period required under federal law, and no written acknowledgment of the contents or intent of the mailed documents was issued.

A formal complaint was also filed via the Consumer Financial Protection Bureau ( CFPB ). The only reply was electronically submitted through the CFPB portalnot via USPS or in written form as legally required.

To date, you have failed to provide the requested 1099-C documentation, correct any reporting, or issue a lawful and timely response.

Additionally, your office failed to accept or properly evaluate the enclosed negotiable instruments in violation of Uniform Commercial Code protocols. 



II. Violations of Law You are hereby notified of the following material violations : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to reinvestigate a dispute and respond in writing within 30 days.

15 U.S.C. 1681s-2 ( b ) : Ongoing furnishing of false, inaccurate, or unverifiable data to credit reporting agencies.

26 U.S.C. 6050P : Failure to issue IRS Form 1099-C for a qualifying discharged debt, a required action under federal tax law.

26 C.F.R. 1.6050P-1 : Negligent or intentional disregard of IRS reporting obligations for canceled debt over {$600.00}.

Uniform Commercial Code ( UCC ), 3-501 & 3-603 : Improper rejection or dishonoring of presented instruments without cause, dishonoring lawful payment and discharge instruments. 
CFPB Regulation V, 12 CFR 1022.43 : Failure to properly respond to consumer dispute and furnish accurate information to consumer reporting agencies.

III. Legal Standing and Authority My lawful dispute and demand were submitted in good faith, backed by documented proof of mailing and delivery. Your failure to act constitutes willful neglect under the law and may result in further escalation including, but not limited to, submission of all documentation to the Internal Revenue Service, the Office of the Inspector General, and additional relevant oversight bodies.

IV. Maxims of Law in Support A matter must be expressed to be resolved. XXXXXXXX XXXX XXXX XXXX XXXX  He who fails to assert a right, loses it. XXXXXXXX XXXX XXXX XXXX XXXX  Fraud vitiates everything it touches. XXXX XXXX XXXX XXXX he who asserts proveXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Silence implies consent when there is a duty to speakXXXX XXXX XXXX XXXX XXXX XXXXgnorance of the law excuses no one. XXXX XXXX non XXXX XXXX will not aid a volunteer. XXXXXXXX XXXX XXXX XXXX He who does not deny, admits. XXXX XXXX XXXX XXXX  These legal principles affirm that your failure to respond, deny, or correct the record is to be taken as admission and constructive fraud. 



V. Formal Legal Demands You are hereby directed to issue the following within ten ( 10 ) calendar days of receipt of this notice : 1. A written response acknowledging all prior correspondence sent via USPS ; 2. A copy of the IRS Form 1099-C ( if the debt has been canceled, forgiven, or settled ) ; 3. A full explanation of your basis for rejecting or dishonoring the negotiable instruments submitted ; 4. The immediate correction and removal of any unverifiable or inaccurate information you have furnished to any credit reporting agency ; 5. Confirmation that this matter is being resolved in accordance with federal law. 

Failure to comply will result in the forwarding of all documentationincluding copies of mailed instruments, delivery receipts, this letter, and your lack of lawful responseto the Internal Revenue Service and any other agency with authority to enforce the law. 



VI. Notice of Escalation Be advised that I reserve all rights under the Uniform Commercial Code, federal privacy statutes, and tax law. I am prepared to pursue further lawful remedies including complaints to the IRS Office of Whistleblower, State Attorney General, FTC, and civil litigation if necessary. This letter shall serve as formal evidence of your continued noncompliance and refusal to cure legal deficiencies. 


Respectfully submitted, XXXX XXXX XXXX XXXX ] Authorized Representative and Natural Person UCC 1-308 Without Prejudice, All Rights Reserved CC : Internal Revenue Service ( IRS ) , CFPB Record, Personal Legal File

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