Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Urgent Notice : Non-Receipt of Form 1099-C, Dispute of Charged-Off, and Request for Debt Validation I am writing to ask for proof of this debt or any other debt with the name XXXX XXXX XXXXXXXX. I need you to show me the following information : XXXX. Proof that the alleged debt has not already been satisfied by any means available including but not limited to, a XXXX write-off, an Insurance Claim or selling the purported debt to third party debt collector. 

2.The completed DEBT COLLECTOR DISCLOSURE STATEMENT previously sent to you which has been ignored, which by not completing, prohibits you from further collection or contacting me. You have now been subject to {$1000.00} violation, and per XXXX statutes, tenfold that amount which is {$10000.00}. 

Notice to Principal is Notice to Agent - Notice to Agent is Notice to Principal. 
Silence is acquiescence. Acquiescence is estoppels. 
XXXX, XXXX XXXX ALL RIGHTS RESERVED CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT Notice to Principal is Notice to Agent - Notice to Agent is Notice to Principal Pursuant to the Fair Debt Collection Practices Act. 15 U.S.C., Sec. 1601 et seq, this constitutes timely written notice that the law requires the return of the attached erroneous purported debt which is unsigned and unattested, and which I herein discharge and cancel in its entirety, without dishonor, on the grounds of breach, false representation and fraud. These claims are bonded and under the mandates of Article VII of the Bill of Rights. 

15 U.S.C., Sec 1692 ( e ) states that a " false, deceptive, and misleading representation, in connection with the collection of any debt '' includes false representation of the character or legal status of any debt. It further identifies as a deceptive practice any threat to take any action that can not legally be taken.

The notice you have sent omits information that is required to be disclosed, such vital citations as disclosing the agency 's jurisdictional and statutory authority. Said Notice further contains false, deceptive and misleading representation, and allegations intended to intentionally pervert the truth for the purpose of including one, in reliance upon such, to part with property belonging to them and to surrender certain substantive legal and statutory rights. To act upon this Notice would divest one of his/her property and their prerogative rights, resulting in a legal injury and invasion of privacy.

Finally, pursuant to the Fair Debt Collections Act, Title 15 U.S.C., Sec 1692 ( " I'm reaching out to request validation of a debt associated with a specific entity. Please provide documentation, including contracts, records, and licenses, Certified MAil # XXXX Subject : Urgent Notice : Non-Receipt of Form XXXX and Compliance Concerns Dear XXXX XXXX  XXXX XXXX XXXX writing to address a matter of utmost importance regarding the cancellation of debt and associated tax reporting obligations. It has come to my attention that despite the cancellation of a debt owed, specifically by myself, I have yet to receive the requisite Form XXXX from XXXX XXXX  XXXX 
This notice serves as a firm reminder of your obligation to comply with IRS regulations concerning the issuance of Form XXXX to debtors following the cancellation of debts deemed uncollectible. As a financial institution, XXXX XXXX  is expected to adhere meticulously to tax reporting requirements and ensure timely delivery of necessary documentation to debtors. 
I hereby assert my rights as a debtor and demand immediate action to rectify this oversight. 
Failure to provide the Form XXXX in a timely manner not only impedes my ability to fulfill my tax obligations but also raises concerns regarding XXXX XXXX  XXXX XXXX with IRS regulations XXXX 
Furthermore, I insist on a thorough review of your internal processes to ensure full compliance with all tax reporting obligations associated with canceled debts. Any further delays or lapses in compliance will be met with appropriate action to safeguard my rights as a debtor and ensure adherence to regulatory standards. 
I expect prompt resolution of this matter and the immediate issuance of the Form XXXX as required by law. Should you require any additional information or clarification, please do not hesitate to contact me at the earliest convenience. 
XXXX is of the essence, and I anticipate your swift and decisive action in addressing this issue. 
Sincerely, 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