Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Formal Complaint and Cease and Desist Order Against XXXX, Experian, and XXXX for Reporting Inaccurate & Unauthorized Information for XXXX XXXX XXXX XXXX. 

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint and issue a cease-and-desist order against XXXX, Experian, and XXXX for multiple violations of federal laws and regulations for their roles in reporting inaccurate and unauthorized information for XXXX XXXX XXXX XXXX . I have filed a formal complaint with the Federal Deposit Insurance Corporation ( FDIC ) against XXXX XXXX XXXX XXXX. 

The crux of the inaccuracy in XXXX, Experian, and XXXX 's reporting lies in their knowledge that the XXXX XXXX XXXX XXXX  debt in question was discharged. Despite this knowledge, XXXX XXXX XXXX XXXX  continued to furnish information related to my account to XXXX, Experian, and XXXX, which is a clear violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) and XXXX, Experian, and XXXX continued to report the information. 

Furthermore, XXXX XXXX XXXX Bank unlawfully attempted to collect on a discharged debt, which is considered a certificate of indebtedness by the Internal Revenue Service ( IRS ). According to IRS regulations, such discharged debt can not be reported as income. XXXX XXXX XXXX XXXX  has failed to provide me with a 1099-C for the cancelled debt as required by law. This failure to comply with IRS reporting requirements and the misreporting of my account as a debt rather than a certificate of indebtedness are clear violations of federal statutes. Attached is a copy of the 1099-C in which I personally filed for XXXX XXXX XXXX XXXX  XXXX 

Moreover, XXXX XXXX XXXX XXXX failed to inform me of my right to exercise my nondisclosure option, as mandated by 15 U.S. Code 6802 ( b ) ( c ). This failure, coupled with the unauthorized inclusion of adverse information in my consumer report by XXXX, Experian, and XXXX, further demonstrates the systemic disregard for consumer rights and legal obligations. 

I hereby demand that XXXX, Experian, and XXXX immediately delete the XXXX XXXX XXXX XXXX  account related to me from my credit reports. This cease-and-desist order is issued in accordance with federal laws and regulations governing consumer rights and privacy. 

I also request a thorough investigation into the actions of XXXX, Experian, and XXXX regarding their handling of my XXXX XXXX XXXX XXXX account information and the inaccurate reporting of my financial status. This letter serves as my final attempt to resolve this matter amicably before pursuing further legal action, including filing complaints with the Securities and Exchange Commission. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX 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