Consumer complaint received 2024-12-26 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: CA

Complaint narrative:
I reviewed my credit reports from Experian, XXXX, and XXXX and found several serious inaccuracies and misleading information. These errors are causing financial harm and were either caused by identity theft or improper reporting by creditors and credit bureaus. Notably, charge-offs on my credit reports are being inaccurately reported as unresolved debts, even though I received XXXX forms indicating these debts were forgiven and reported as income to the IRS. 

Details of XXXX XXXX XXXX. Charge-offs Reported as Debt Despite XXXXXXXX XXXX XXXX XXXX ( Account # XXXX ) : Amount : {$4400.00}. 
This account was charged off and included in a XXXX form issued to the IRS, which means the debt has been forgiven and treated as taxable income. However, the account is still being reported on my credit report as an unresolved debt with a " charge-off '' status. This is misleading and inaccurate under the FCRA because the debt can not simultaneously be forgiven for tax purposes and reported as an active liability. 
Date Reported : XX/XX/XXXX ( Experian ). 
XXXX XXXX ( Account # XXXX ) : Amount : {$5700.00}. 
This account was also charged off, and I received a XXXX form indicating the debt was forgiven. The account remains on my credit report with a " charge-off '' status and past-due balance. 
Date Opened : XX/XX/XXXX. First delinquency : XX/XX/XXXX. 
XXXX. Student Loans That Are Not Mine Multiple accounts from XXXX are falsely attributed to me on my credit reports. 
Example : Account # XXXX on XXXX ( XXXX : {$2600.00}, opened XX/XX/XXXX ). 
I have never applied for or borrowed student loans. These accounts are fraudulent and must be removed immediately. 
XXXX. XXXX XXXX XXXXXXXX XXXX  ( Filed and Dismissed ) : A XXXX XXXX XXXX was fraudulently filed in my name on XX/XX/XXXX and dismissed shortly afterward. Reported by XXXX XXXX XXXX  this is entirely false, as I have never filed for bankruptcy. 
XXXX. Unauthorized XXXX Inquiries XXXX XXXX hard inquiries appear on my credit reports, all of which I did not authorize. 
Example : XXXX XXXX ( XXXX Date : XX/XX/XXXX ) on XXXX. 
These inquiries are fraudulent and negatively affect my credit score. 
XXXX. Incorrect Personal Information My credit reports contain the following incorrect details : Names : Variations such as " XXXX XXXX '' that are not mine. My correct name is XXXX XXXX XXXX. 
Addresses : Examples include XXXX XXXX XXXX, XXXXXXXX XXXX and XXXX XXXX, XXXX XXXX, XXXX My only address is XXXX XXXX, XXXX XXXXXXXX XXXX XXXX 
XXXX. Late Payments on Closed Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : This account shows late payments and lists a co-borrower, XXXX XXXX XXXX, whom I do not know. This account does not belong to me, and the reported payment history is inaccurate. 
Violations of the Law These issues violate the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Credit bureaus are required to maintain maximum accuracy in reporting. Reporting forgiven debts as charge-offs violates this standard.

15 U.S.C. 1681c ( a ) ( 4 ) : Outdated debts, including forgiven charge-offs, must not remain on credit reports beyond the permissible reporting period.

15 U.S.C. 1681i : The credit bureaus failed to reasonably investigate and resolve disputes I filed earlier. 
The continued reporting of charge-offs as unresolved debts, despite XXXX issuance, creates a false narrative about my creditworthiness. It also subjects me to double penalties : a tax burden for forgiven income and reduced credit scores for debts that should no longer exist. 

What I Have Done So Far Filed Disputes : I disputed the inaccuracies with Experian, XXXX, and XXXX. The disputes were not resolved appropriately. 
Filed an FTC Report : I filed an identity theft report with the FTC to address fraudulent accounts and inquiries. 
Contacted Creditors : I attempted to contact creditors, including XXXXXXXX XXXX  and XXXX XXXX, regarding the charge-offs and XXXX forms, but they have not corrected the reporting.

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