Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Date : XX/XX/XXXX, XXXX. Parties & JurisdictionWho : Consumer : XXXX XXXX XXXX XXXX, TX ) Violators : TransUnion, Equifax, Experian, XXXX BankGoverning Laws : FCRA, FDCPA, GLBA, Texas Finance Code 392II. Factual ChronologyWhat Happened & When:XXXX : XXXX issuedIRS Form 1099-C ( 26 U.S.C. 6050P ), voiding debt.XXXX XXXXXXXX, XXXX : Credit denial by XXXX XXXX XXXX due to false " charged off '' status ( Adverse Action Notice.pdf ) XXXX XXXX, XXXX : XXXX confirmed systemic errors and demanded tradeline deletion ( XXXX XXXX ) .Ongoing ( XXXX ) : CRAs retained canceled debt as " active, '' violating Metro 2 standards.III. Legal Violations BreakdownA. FCRA Violations ( 15 U.S.C. 1681e ( b ), 1681i ) Failure to Ensure Accuracy ( 1681e ( b ) ) : How : Reported canceled debt as " charged off '' ( Code 93 ) instead of " canceled '' ( CXXXX XXXX ) .Legal Standard : Cushman v. Trans Union ( 3rd Cir. XXXX ) : CRAs must verify beyond furnisher responses.Evidence : XXXX XXXX XXXX incorrect coding.Defective Reinvestigation ( 1681i ) : How : Used automated e-OSCAR system to dismiss disputes without manual review.Legal Standard : Norman v. Trans Union ( E.D. Pa. XXXX ) : Automated systems violate FCRA.B. FDCPA Violations ( 15 U.S.C. 1692e ( 8 ) ) Why : Misrepresented debt status to third parties post-cancellation.Evidence : Credit denial by XXXX, XXXX XXXX XX/XX/XXXX ) .C. GLBA Violations ( 15 U.S.C. 6802 ) What : Equifax shared nonpublic data without opt-out consent.Evidence : Texas AG Complaint XXXX. Texas Finance Code 392.304 ( a ) ( 8 ) Where : Texas ( XXXX XXXX ) .How : Falsely reported " balance owed '' after 1099-C cancellation.IV. Metro 2 & e-OSCAR ViolationsStandardViolationLegal AuthorityMetro 2 Code 09Used Code 93 ( " Charged Off '' ) instead of 09CFPB Exam Manual ( XXXX ) e-OSCAR ACDV ComplianceAutomated dispute responses ignored 1099-CRoberts v. Carter-Young ( XXXX XXXX. XXXX ) Furnisher DutyXXXX failed to correct systemic errors15 U.S.C. 1681s-2 ( b ) V. Discovery DemandsMetro 2 Data Fields : ProduceAccount Status CodeandCompliance Condition Codefor Acct # XXXX Logs : Disclose all ACDV responses since XXXX.Furnisher Records : Provide XXXX 1099-C issuance and removal requests.Deadline : 10 business days from receipt.VI. Settlement DemandImmediate Relief : Delete tradeline # XXXX and confirm in writing byXXXX.Pay statutory damages XXXX XXXX XXXXviolation ( FCRA 1681n ) .Failure to Comply : Litigation filed in XXXX XXXX, TX, seeking : Punitive damages underSean Owens v. Experian ( XXXX. XXXX. XXXX ) .Injunctive relief for Metro 2 compliance.Attachments : XXXX 1099-C & Removal LetterCFPB Complaint # XXXX Report # XXXX. Legal Authority : FCRA : 15 U.S.C. 1681e ( b ), 1681i FDCPA : 15 U.S.C. 1692e ( 8 ) Texas Finance Code : 392.304 ( a ) ( 8 ) CFPB Regulation F : 12 CFR Part 1006

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