Consumer complaint received 2025-01-18 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: NC

Complaint narrative:
This complaint is to address an unresolved issue regarding a cancelled debt with XXXXXX/XX/XXXX that is being improperly reported on my Experian credit report despite being lawfully discharged. Form 1099-C was filed with the IRS to report the cancellation of my credit card debt with XXXXXX/XX/XXXXXXXX Per IRS regulations, a Form 1099-C represents a formal discharge of debt. Consequently, this should reflect as a {$0.00} balance across all credit reporting agencies. XXXX has appropriately deleted the account from my credit report, and XXXX updated the account to reflect a {$0.00} balance. However, Experian continues to report a balance owed, citing that XXXXXX/XX/XXXX has " verified '' the account, despite my multiple requests for verification evidence under the Fair Credit Reporting Act ( FCRA ). To date, Experian has failed to provide any documentation substantiating the balance. Notably, Experian has cited fraudulent or incomplete investigations, evidenced by Report Numbers # XXXX, # XXXX, XXXX, and XXXX, claiming the account has been verified without any supporting proof. This conduct is inconsistent with federal law and constitutes willful non-compliance. XXXX XX/XX/XXXX and Experian failed to conduct reasonable investigations into disputes as required by FCRA. Experian continues to report inaccurate information, violating its obligation to maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ). A Form 1099-C signifies a legally discharged debt. XXXXXX/XX/XXXX continued verification of the account as unpaid is inconsistent with IRS regulations. Supreme Court Precedent XXXX XXXX. XXXX of XXXX. XXXX XXXX, 551 U.S. 47 ( 2007 ) : The Supreme Court has affirmed that willful non-compliance with FCRA constitutes reckless disregard for statutory obligations. XXXX Bank 's failure to provide documentation and Experian 's inaccurate reporting represent such violations. A company subject to FCRA does not act in good faith if it acts in reckless disregard of its statutory duty, which constitutes willful violation under the statute. XXXXXX/XX/XXXX failure to provide documentation substantiating its verification and Experian 's continued reporting of inaccurate information demonstrate reckless disregard for their statutory obligations under the FCRA. I respectfully remind all parties involved that the Constitution of the United States of America is the supreme law of the land. This includes adherence to federal statutes, such as the Fair Credit Reporting Act, as well as compliance with binding precedent established by the Supreme Court of the United States, such as XXXX XXXX. XXXX of XXXX. XXXX XXXX, 551 U.S. 47 ( 2007 ). Failure to rectify this matter would not only undermine my rights as a consumer but also represent a disregard for the rule of law. I urge immediate action to resolve this dispute in a manner consistent with the principles and laws of our nation.

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