Consumer complaint received 2025-01-28 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: CA

Complaint narrative:
CFPB this is a request for section 605B 15 USC 1681c-s block of information related related to identity theft within 4 days. My information has been compromised in a number of different data breaches. Companies are mandated by both state and federal law to protect safeguard consumers non-public personal information in accordance with 12 CFR 101.1, 15 USC 6802 & 6805. As a California resident these companies have violated my right to privacy per the CCPA. The privacy Act of 1974 states that privacy is my right. Said companies have abridged my rights to privacy by failing to protect my nonpublic personal information due to their faulty safeguards. Additionally these companies have placed this information on my consumer credit report without my written consent per 15 usc 1681b.15 usc 1681s 2 states that furnishers are prohibited from reporting information once they have actual knowledge of errors or reasonable cause to believe that the information is inaccurate. Sections 605B 15 USC 1681c-s Block of info resulting from identity theft, Block reporting of information reported by me the consumer within 4 days of receipt. This instruction constitutes as consumer written instructions to whom the report relates 15 usc 1681B.. This written instruction by me the consumer is non-negotiable.

Accounts in Question are as follows : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Additionally I am writing to formally request a Form 1099-C, Cancellation of Debt, in connection with several accounts under my name that was charged off by your institution and subsequently reported as such on my credit report. As outlined in IRS regulations under Section 6050P of the Internal Revenue Code, creditors are required to issue a Form 1099-C when a debt of { { {$600.00} } } or more has been canceled or discharged. It is my understanding that since the charged-off debt has been written off by your institution, it constitutes a cancellation of debt, and I should have been provided with the appropriate tax documentation in accordance with the law. Failure to provide a 1099-C form for canceled debts could be considered a violation of the IRS reporting requirements, which obligates creditors to report forgiven or discharged debts in excess of { { {$600.00} } }. It is essential for me to have this form to accurately report the canceled debt on my tax returns, and I would like to resolve this matter in a timely manner to ensure compliance with all relevant regulations. I'm asking the CFPB for assistance in this matter as I have written all three credit agencies and I have yet to receive a response back relating to these matters. Additionally I have been involved in a number of data breaches such as Experian data breach, XXXX XXXX breach, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and so many others. I have provided clear supporting evidence, including highlighted copies of my credit report identifying the errors. Ive asked for supporting documentary evidence of their finding and why these items keep coming back verified. I requested the credit agencies not to process these disputes with the E-Oscar system but rather to conduct the manual review I requested. As the E-Oscar system does not ensure a thorough or proper investigation as required by the FCRA. I requested the credit agencies to provide proof of contract that contains a wet ink signature between me and each alleged creditor binding me to some sort of contract and or agreement with these companies. The response I received did not provide sufficient detail regarding the methods, sources, or procedures used to verify the disputed information. This accounts have been charged off since XXXX. The said companies in question are as follows : XXXX Account XXXX. XXXX Charged off XX/XX/XXXX in the amount of {$460.00}, XXXX Charged off on XX/XX/XXXX in the amount of {$4300.00}, XXXX charged off on XX/XX/XXXX in the amount of {$3800.00}, XXXX XXXX Charged off on XX/XX/XXXX in the amount of {$390.00}, XXXXXXXX XXXX charged off XX/XX/XXXX in the amount of {$6400.00}, XXXX XXXX XXXXXXXX charged off on XX/XX/XXXX in the amount of {$2400.00}, The XXXX XXXX charged off on XX/XX/XXXX in the amount of {$600.00}. These companies have had plenty of time and opportunity to send me a XXXX. The credit agencies failure to properly investigate my claim has lead to the drastic decline in my credit score for the past 3 years. Time and time again these creditors and credit agencies fail to address the non-issuance of a1099-C by the Collection Agency . Failure to address this issue has caused harm to me and my family, I have been denied lines of credit, have not been able to provide adequate means of transportation. Not being able to quality for housing due to low credit score. My family and I have been displaced by the California Fires and have no options to exercise as these credit agencies have had my credit report have been in accurately for years without consequence. As stated above I have been also been involved in several data breaches I request a block of information in accordance with FCRA 605B ( 15 USC 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency. The accounts that I'm requesting a block on are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. In the event that you decide not to block these accounts please provide me with the method for determining not to block them and please provide me with documentary evidence of any authoritative original copy of any and all alleged contracts signed signed in wet ink Amongst the parties. Failure to provide accurate and fair credit reporting definitely raises questions about the legitimacy of the debt and violates federal regulations. Key Violations : 1. Failure to Conduct a Reasonable Investigation : o Experian violated 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) by failing to conduct a manual review of my dispute as explicitly requested. o The use of E-Oscar resulted in an inadequate and incomplete investigation. 2. Failure to Provide Details of Investigation : o Experian failed to provide the methods, sources, and documentation used in their investigation, as required by 15 U.S.C. 1681i ( a ) ( 4 ) and 15 U.S.C. 1681i ( a ) ( 6 ). 3. Inaccurate Reporting and Failure to Address 1099-C Non-Issuance : o Experian, XXXX, and XXXX continue to report inaccurate information, violating my rights under 15 U.S.C. 1681e ( b ). o The collection agency 's failure to issue a 1099-C for canceled or forgiven debt violates IRS regulations and raises concerns about the accounts validity.

Enclosing 15 USC 1681 Congressional findings and statement of purpose ( A ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( b ) Reasonable Procedures. Consumer reporting agencies are required to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy.

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