Consumer complaint received 2024-08-22 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: GA

Complaint narrative:
I am submitting this complaint against XXXX, Experian, and XXXX for their ongoing and unjustified reporting of a disputed debt claimed by XXXX XXXX XXXX. Despite filing two previous complaints against XXXX XXXX XXXX, they have persistently failed to provide the necessary documentation to validate their claim, such as the Assignment Transfer or a valid contractual agreement with the alleged original creditor, XXXX. This failure to comply with legal requirements raises serious concerns about the legitimacy of their actions. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I am entitled to a thorough reinvestigation of any disputed information on my credit report. Given that XXXX XXXX XXXX has not met their burden of proof by providing the required documentation, this account should not continue to be reported on my credit file without proper validation. By continuing to report this unverified debt, XXXX, Experian, and XXXX are in direct violation of the FCRA 's requirement for accuracy and completeness in credit reporting. Their failure to ensure that only accurate and substantiated information is reported reflects a serious disregard for their legal obligations. Furthermore, XXXX XXXX XXXX 's repeated failure to provide verification of the debt upon request, as required under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ), necessitates immediate and decisive action. XXXX, Experian, and XXXX, by continuing to report this disputed debt, are complicit in perpetuating these violations and must be held accountable for their role in this matter. Additionally, I believe there are potential violations of the Internal Revenue Code ( IRC ), specifically IRC 6050P, which mandates the issuance of a 1099-C form if the debt has been forgiven or settled. Any inconsistencies in the reporting of debt ownership or false statements regarding the value or transfer of the debt could also constitute a violation of IRC 7206. These issues warrant further investigation, including by the IRS, into XXXX XXXX XXXX  tax reporting practices. 
Given the persistence of these violations, I am demanding that XXXX, Experian, and XXXX immediately cease reporting this debt on my credit file until proper validation is provided by XXXX XXXX XXXX. If XXXX XXXX XXXX can not provide the legally required documentation, this account must be removed from my credit report without delay. I am invoking my rights under the FCRA, FDCPA, and relevant sections of the IRC, and I request that the CFPB enforce compliance with these laws. Failure to address these ongoing issues will result in further escalation to other regulatory bodies, including the Federal Trade Commission ( FTC ) and the Internal Revenue Service ( IRS ), to ensure that my rights are protected. Thank you for your attention to this urgent matter.

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