Consumer complaint received 2025-05-10 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against XXXX XXXX  for multiple violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically related to its failure to properly investigate and respond to my dispute concerning an account it continues to report to the credit bureaus. 

XXXX has improperly labeled my dispute as duplicate, in violation of 15 U.S.C. 1681i ( a ) ( 1 ) and ( a ) ( 2 ), which require a data furnisher and the consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of information in their file. Simply classifying my dispute as duplicate does not relieve XXXX of its obligation to investigate new factual assertionsparticularly those that were not substantively addressed in any prior response. 

In my most recent dispute, I raised critical, unresolved issues including : XXXX. The issuance of a Form 1099-C, which was submitted to and accepted by the Internal Revenue Service , indicating cancellation of the alleged debt. XXXX failed to provide a legal explanation or remedy as to why it continues to report a balance on an account that has, by IRS acknowledgment, been discharged. This is a direct violation of FCRA 1681s-2 ( b ) ( 1 ) ( E ), which requires furnishers to correct or delete inaccurate, incomplete, or unverifiable information.

2. The securitization of the alleged debt without my knowledge or written consent. This raises serious concerns under 15 U.S.C. 1692e of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive or misleading representations, especially where a creditor claims ownership or the right to collect on a debt it no longer holds due to transfer or securitization. 

XXXX has completely ignored these material issues. Their refusal to investigate based on a duplicate dispute assertion is not only incorrect but legally insufficient. It is well established that if a dispute includes new information or different legal arguments, it can not be summarily dismissed as duplicative. Discovers ongoing conduct demonstrates willful noncompliance with their legal obligations and is causing continued and unjustified damage to my credit profile. 

I respectfully request that the CFPB take immediate action to : Investigate XXXX Bank for its failure to perform a reasonable reinvestigation as required by FCRA ; Compel XXXX to cease and desist reporting this account unless and until it provides verifiable and lawful grounds for doing so ; and Sanction XXXX for disregarding consumer protections under both the FCRA and FDCPA. 

I am prepared to provide supporting documentation, including the 1099-C, my previous dispute letters, and credit reports, upon request.

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