Consumer complaint received 2024-12-12 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 Financial Protection Bureau ( CFPB ) Enforcement Consumer Response Division Institution : XXXX XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX Contact : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  of the Complaint This complaint outlines systemic violations by XXXX XXXX XXXX XXXX XXXX XXXX ) and its agents, including fraud, contractual misrepresentation, improper securitization of accounts, and violations of federal and state consumer protection laws. Additionally, this complaint addresses identity theft and data breaches affecting my Social Security Number and phone number. 

Legal Basis for Requests The following statutes and regulations substantiate my claims and demands : Federal Laws and Consumer Protections Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681n : Liability for willful noncompliance with reporting obligations.

15 U.S.C. 1681i ( b ) : Reinvestigation requirements for disputed information.

Truth in Lending Act ( TILA ) : 15 U.S.C. 1601 : Mandates clear disclosure of credit terms.

15 U.S.C. 1641 : Assignors liability to disclose debt transfers.

Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692g : Requires validation of debts and proof of assignment.

Electronic Fund Transfer Act ( EFTA ) : 15 U.S.C. 1693m and 1693n : Liability for fraudulent transfers.

IRS Code : 26 U.S.C. 6050P : Requires creditors to issue IRS Form 1099-C for discharged debts.

Identity Theft Protection and Enforcement : 18 U.S.C. 1028 : Addresses aggravated identity theft and fraudulent use of personal information.

Racketeer Influenced and Corrupt Organizations Act ( RICO ) : 18 U.S.C. 1961 : Addresses fraudulent financial and extortionate activities.

Data Breach Notification and Protection : Federal and state laws requiring notification of breaches, including the exposure of personal identifiers such as Social Security Numbers.

Uniform Commercial Code ( UCC ) UCC 3-603 : Governs discharge of obligations via proper tender of payment.

UCC 3-302 : Defines rights and obligations of holders in due course.

UCC 9-210 : Establishes the debtor 's right to request an accounting.

Federal Trade Commission ( FTC ) Regulations 16 CFR 681.1 : Identity theft and address discrepancy rules. 
State Laws State consumer protection statutes, including Unfair and Deceptive Acts and Practices ( UDAP ) laws and creditor transparency regulations, further support this complaint. 

Demands for Resolution To resolve this matter, I demand the following actions : Issuance of Form 1099-C : Provide IRS Form 1099-C documenting the charged-off amount of {$3800.00}, as required under 26 U.S.C. 6050P. 
Provision of Assignment Contracts : Submit certified copies of all assignment contracts, transfer agreements, and endorsements that establish XXXX  or any agents authority over these debts. 
Securitization and Prospectus Reports : Provide documentation detailing : Securitization audits and pooling agreements. 
Custodian and trustee information.

SEC filings, including Form 424 ( b ) ( 5 ). 
Investigation and Mitigation of Data Breaches : Investigate the exposure of my Social Security Number and phone number found on the dark web and linked to XXXX or its affiliates. 
Implement corrective actions to mitigate the risks and offer identity theft protection services. 
IMMEDIATE Correction of Reporting Errors : Immediately rectify all inaccuracies on my credit reports, including improper charge-off designations and incorrect balances. 
Cease Communication and Collection Activities : As required under 15 U.S.C. 1692c ( c ), halt all communications and collection activities until proper validation and documentation are provided.Documentation Altered contracts and account agreements. 
Financial statements showing misapplication of payments. 
Correspondence with XXXX. 
FTC Reports XXXX and XXXX. 
Police Report from XXXX XXXX XXXX ( 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