Consumer complaint received 2025-03-29 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: NY

Complaint narrative:
Subject : Continued Violations of IRS 1099-C Regulations and FCRA Inadequate Response to Prior Complaint To : Consumer Financial Protection Bureau Re : Complaint ID XXXX XXXX XXXX Dear CFPB Representative , This is a follow-up and formal continuation of my previous complaint submitted on XX/XX/2025, regarding unlawful credit reporting practices, which was assigned Complaint ID XXXX. 

Summary of Companys Response ( XX/XX/2025 ) : TransUnion responded with partial deletions and verifications. However, their actions and justifications are incomplete, legally inadequate, and fail to address the central violations outlined in my original complaint. 

Ongoing Issues Not Resolved Violation of IRS Regulation 1099-C TransUnions continued reporting of accounts from Security Credit Services , Santander Consumer USA , and Continental Finance Companydespite having received IRS Form 1099-C dischargesconstitutes a violation of federal tax law. Once a debt is charged off and 1099-C is issued, the IRS treats it as canceled income. Continuing to report these balances is unlawful and violates : IRS Regulation 1.6050P-1 FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must not report inaccurate or incomplete information.

Inadequate Handling of Alleged Late Payments TransUnions response states that XXXX  XXXX was verified as reported, and XXXX XXXX Home Mortgage was updated, yet no explanation or validation documents were provided regarding the late payment records. I reiterate that the reported delinquencies are : Misrepresentations in violation of FCRA 1681b ( no permissible purpose to report inaccurate info ) Defamatory, impacting my ability to obtain credit, housing, and employment Failure to Accept Valid Documentation The response claims my affidavit and supporting documentation were not acceptable. However, I submitted a FTC Identity Theft Affidavit, as well as statements citing IRS and FCRA violations. No clear criteria or opportunity to supplement documentation were provided. 

Relief Demanded Again To resolve these ongoing violations, I again demand the following : Permanent deletion of all remaining charge-off accounts tied to XXXX discharges : Security Credit Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Permanent removal of all alleged late payment entries from : XXXX XXXX XXXX XXXX XXXX XXXX Home Mortgage Written documentation from TransUnion and all relevant creditors, confirming : Corrections made Compliance with IRS and FCRA regulations Cease-and-desist of further unlawful reporting Notice of Further Action Should this matter remain unresolved or TransUnion continue reporting falsified, inaccurate, or discharged debts : I will file new complaints with the IRS, FTC, State Attorney General, and the U.S. Office of the Comptroller of the Currency .

I will seek monetary damages through civil litigation for defamation, economic harm, and emotional distress. 

I urge the CFPB to escalate this complaint, review TransUnions pattern of non-compliance, and hold them accountable for knowingly violating federal consumer protection and tax laws. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY 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