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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This was previously disputed with CFPB # XXXX XX/XX/XXXX Dispute was directed to Experian, XXXX and XXXX to fix the errors for these XXXX collection accounts : XXXX. Experian Inquiry - Experian Business Credit - XXXX XXXX XXXX XXXXXXXX TX XXXX Please remove -based upon 15 U.S.C. 1681i and 15 U.S. Code 1681b- this inquiry is inaccurate and unauthorized and needs to be removed per the Permissible Purposes of Consumer Reports. 

XXXX. XXXX  - XXXX  XXXX XXXX XXXX, XXXX, NY, XXXX ( XXXX ) XXXX o Request that they remove the unauthorized inquiry. 
XXXX  # XXXX ( Experian for {$830.00} ) XXXX  # XXXXXX XXXX ( XXXX {$830.00} ) XXXX  # XXXX ( XXXX {$830.00} ) According to the Fair Debt Collection Practices Act ( FDCPA ) Law Code : 15 U.S.C. 1692 et seq., and 15 U.S.C. 1692g. These codes prohibits practices like attempting to collect a debt that is not yours, harassment, or providing false information. I dispute this collection for XXXX. They have not provided evidence that is is my debt, and I am disputing again and would like this collection removed from Experian, XXXX and XXXX accounts. 


XXXX. XXXX  - XXXXXXXXXXXXX XXXX {$4900.00} ( XXXX ) XXXX - XXXX {$4900.00} ( EXPERIAN ) XXXX, XXXX - XXXX ( XXXX {$4900.00} ) XXXX XXXX XXXX XXXX ) and XXXX ( ON EXPERIAN ) is still on my credit report and are attempting to continue to collect on the above-referenced accounts on Experian, XXXX and XXXX. 
I received a Form 1099-C ( Cancellation of Debt ) for this account from XXXX, XXXX on XX/XX/XXXX, indicating that the debt was canceled. 
According to the Internal Revenue Code ( IRC ) XXXX, the issuance of a 1099-C form signifies that the creditor has discharged the debt for tax purposes. 
Your continued attempts to collect on this debt may constitute a violation of : XXXX. The Fair Debt Collection Practices Act ( FDCPA ) under : * 15 U.S.C. 1692e, which prohibits the use of false or misleading representations about the status of a debt ; and * 15 U.S.C. 1692f, which prohibits unfair or unconscionable means to collect a debt. 

XXXX. IRS regulations governing canceled debts, as this debt was reported to the IRS as canceled. 
I request and requested that XXXX immediately Remove this account from my credit reports and cease all collection activities related to this account. Please provide written confirmation that the debt is no longer being pursued. 
Additionally, if you believe you are authorized to collect on this account, I demand the following : Documentation validating the debt, including proof of the amount owed and evidence that you have the legal authority to collect on this account after issuing a 1099-C. 
Please note that under the FDCPA, continued collection activity on a disputed debt is prohibited until validation is provided.

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