Consumer complaint received 2025-03-01 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: PA

Complaint narrative:
1. XXXX XXXX ( Original 06 XXXX XXXX ) : Account number XXXX, I have received a 1099-C form from the creditor indicating that this debt has been canceled and reported as income to the IRS. Under IRS regulations, canceled debts are no longer enforceable and, therefore, should not be reported as outstanding debts. Reporting this canceled debt as active may be a violation of the Fair Credit Reporting Act ( FCRA ), which mandates accurate reporting of credit information. This collection company is not licensed to collect or do business in my state, per the Attorney General 's office. I request that you investigate this matter and remove the inaccurate information from my credit report. This collection agency is not allowed to do business in my State. See documentation attached. Delete it from my credit Report Today!

2. XXXX : Account number : XXXX, I have received a 1099-C form from the creditor, indicating that this debt has been canceled and reported as income to the IRS. Under IRS regulations, canceled debts are no longer enforceable and therefore should not be reported as outstanding debts. Reporting this canceled debt as active may be a violation of the Fair Credit Reporting Act ( FCRA ), which mandates accurate reporting of credit information. This collection company is not licensed to collect or do business in my state, per the Attorney General 's office.I request that you investigate this matter and remove the inaccurate information from my credit report.. Delete it from my credit Report Today! See documentation attached 3. XXXX XXXX : Account number : XXXX, I have received a 1099-C form from the creditor, indicating that this debt has been canceled and reported as income to the IRS. Under IRS regulations, canceled debts are no longer enforceable and therefore should not be reported as outstanding debts. Reporting this canceled debt as active may be a violation of the Fair Credit Reporting Act ( FCRA ), which mandates accurate reporting of credit information. I request that you investigate this matter and remove the inaccurate information from my credit report.. Delete it from my credit Report Today! 

4. XXXX XXXX ( Original 06 XXXX XXXX XXXX XXXX ) : Account number : XXXX, I have received a 1099-C form from the creditor, indicating that this debt has been canceled and reported as income to the IRS. Under IRS regulations, canceled debts are no longer enforceable and therefore should not be reported as outstanding debts. Reporting this canceled debt as active may be a violation of the Fair Credit Reporting Act ( FCRA ), which mandates accurate reporting of credit information. This collection company is not licensed to collect or do business in my state, per the Attorney General 's office. I request that you investigate this matter and remove the inaccurate information from my credit report.. Delete it from my credit Report Today! 

5. XXXX XXXX XXXX Account number : XXXX, This balance appears wrong. 115 U.S.C. 1681s-2 ( a ) Duties of Furnishers of Information This section applies to the creditor or debt collector reporting the collection. It prohibits furnishers from reporting inaccurate or incomplete information and requires them to correct or delete information if its proven inaccurate. Delete it from my credit Report Today! 

6. XXXX XXXX : Account number : XXXX, This balance appears wrong. 115 U.S.C. 1681s-2 ( a ) Duties of Furnishers of Information This section applies to the creditor or debt collector reporting the collection. It prohibits furnishers from reporting inaccurate or incomplete information and requires them to correct or delete information if its proven inaccurate. Delete it from my credit Report Today!

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