Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Consumer : XXXX XXXX Original Complaint Reference : XXXX Date of Original Filing : XX/XX/year> Product : Credit reporting or other personal consumer reports Issue : Ongoing inaccurate reporting identity theft, charge-off fraud, and failure to comply with FCRA 605B Summary of Issue This is a supplemental complaint to request immediate enforcement escalation. Despite my original filing on XX/XX/year> ( Complaint # XXXX ), XXXX XXXX XXXX XXXX XXXX ) account ending in XXXX continues to be inaccurately and unlawfully reported on my credit file. The company has acknowledged potential fraud ( XX/XX/year> ) in its interim response, yet the fraudulent account remains. This is a direct violation of FCRA 605B ( c ) ( 2 ) ( A ), which required deletion of identity theft accounts within 4 business days of receiving my valid FTC Identity Theft Report ( # XXXX ), government ID, and proof of address. 

This fraudulent tradeline XXXX XXXX XXXX ( XXXX ) account ending in XXXX false charge-off balance {$3300.00} and must be removed without impacting my separate, current, and accurate XXXX account ending in XXXX, which has never been disputed and must remain intact. 

Legal Violations Failure to Block/Delete Identity Theft Account FCRA 605B ( c ) ( 2 ) ( A ).

Inaccurate Reporting FCRA 607 ( b ), 611, 1681e ( b ).

Illegal Re-Aging FCRA 1681c ( a ) ( 4 ).

Failure to Issue 1099-C for charge-off over {$600.00} 26 U.S.C. 6050P. 
Unauthorized Communications FDCPA 805 ( c ) ( 15 U.S.C. 1692c ( c ) ).

Improper Reinvestigation of my separate positive XXXX  account ending in 6530 FCRA 611 ( a ) ( 1 ).

Documented Harm Ongoing publication of false charge-off balance ( {$3300.00} ). 
Damage to credit scores and ability to obtain favorable financing. 
Emotional distress and wasted time disputing an account already confirmed as fraudulent. 
Risk of IRS reporting violations due to absent Form 1099-C.

Relief Requested Immediate permanent deletion of fraudulent XXXX  account ending in XXXX from all credit bureaus. 
Full compliance with FCRA 605B and Metro 2 reporting standards.

Referral to CFPB Enforcement Division for XXXX XXXX XXXX and Equifaxs repeated, willful violations of the FCRA.

Assessment of penalties under 15 U.S.C. 1681n and 1681o for willful and negligent violations.

Written confirmation to me that the account has been removed and no further reinvestigations will occur.

Financial Relief for Damages Compensation for out-of-pocket losses, higher interest costs, credit denials, and emotional distress caused by unlawful reporting. Financial relief should reflect the ongoing harm to my creditworthiness and align with statutory damages available under 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ). XXXX XXXX XXXX has also failed to issue an IRS Form 1099-C for the alleged charge-off exceeding {$600.00}. Any attempt to issue one now would be untimely under 26 U.S.C. 6050P and constitute false reporting, because the account was settled years ago and never legally owed post-settlement. This omission further demonstrates that the account is not valid debt and can not lawfully remain on my credit file. 

Attachments Already on File FTC Identity Theft Report # XXXX Drivers License and Proof of Address Prior CFPB Complaint Documentation

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