Consumer complaint received 2025-06-12 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: NY

Complaint narrative:
TO : Federal Trade Commission ( FTC ) FROM : XXXX XXXX ADDRESS : XXXX XXXX XXXX, XXXX, NY XXXX EMAIL : XXXX DATE : XX/XX/XXXX SUBJECT : Formal FTC Complaint Demand to Immediately Remove Unlawful and Inaccurate Charge-Off and Collection Accounts from My Consumer Reports SUMMARY : This is a formal complaint submitted under the authority of the Federal Trade Commission Act, the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Gramm-Leach-Bliley Act ( GLBA ), and applicable IRS regulations. 

I, XXXX XXXX, am filing this complaint to request immediate investigation and enforcement action regarding illegal reporting, collection, and misuse of my consumer data by creditors and debt collectors reporting charge-off and collection accounts to consumer reporting agencies ( Experian, XXXX, TransUnion ) on accounts that are not mine, were never legally validated, and/or have been satisfied or extinguished through IRS Form XXXX filings XXXX 

FACTUAL BACKGROUND : I submitted an Affidavit of Identity Theft and Dispute ( attached ) identifying several fraudulent and inaccurate charge-off and collection accounts being reported to consumer reporting agencies. 

Some of these accounts have resulted in IRS Form XXXX ( Cancellation of Debt ) filings by original creditors, which per IRS Regulation XXXX, conclusively reflects the debt was cancelled and no longer owed. 

Under IRS Publication XXXX and relevant case law ( e.g., In re XXXX, XXXX B.R. XXXX ( XXXX. XXXX. XXXX XXXX ) ), the issuance of a XXXX extinguishes the legal enforceability of the debt. 

Despite the above, debt XXXX and credit reporting agencies continue to report and/or collect these debts in violation of my rights under federal law. 

No valid consent or permissible purpose under XXXX XXXX. XXXX was given to these entities to access, report, or distribute these inaccurate and disputed accounts. 

The attached affidavit and supporting evidence were provided to the relevant parties, who have failed to comply with their obligations under federal law. 

LEGAL VIOLATIONS : A. Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX et seq. 
Reporting of inaccurate and incomplete information ( XXXX XXXX. XXXX ( b ) ) Failure to properly investigate disputes ( XXXX XXXX. XXXX ) Lack of permissible purpose for furnishing consumer report information ( XXXX XXXX. XXXX ) B. Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX. XXXX et seq. 
Collection of debts no longer legally owed ( XXXX XXXX. XXXX ( XXXX ) ( A ), ( XXXX ) ) Continuing to collect on debts discharged or cancelled via XXXX Use of false, deceptive, or misleading representations XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXXXXXX et seq. 
Unauthorized sharing and processing of my personal consumer data without valid consent. 

XXXX IRS Regulations & Case Law Under IRS Regulation XXXX and IRS Publication XXXX, a XXXX filing indicates the debt was cancelled. 

Continued collection/reporting after such filing violates the IRS code and constitutes unfair, deceptive practices. 

XXXX XXXX : In re XXXX, XXXX B.R. XXXX ( XXXX. XXXX. XXXX XXXX ), XXXX XXXX v. XXXX, XXXX. XXXX ( XXXX XXXX. XXXX ). 

DEMAND FOR RELIEF : I am demanding the immediate removal of all inaccurate, false, and obsolete charge-off and collection accounts identified in my attached affidavit from all consumer reports held by Experian, Equifax, TransUnion, and any affiliated entities. 

I further demand that these entities cease and desist from any further collection activity or reporting of these accounts. 

I request that the FTC take enforcement action against all entities involved for violating my privacy, consumer protection rights, and IRS-related consumer protections. 

This complaint is being submitted in part to document my attempt to correct my credit reports and all information received by any party through this process will be used for that purpose, including potential future arbitration or a federal lawsuit. 

CONCLUSION : I respectfully request that the FTC conduct a thorough investigation and enforce the applicable laws to ensure my rights as a consumer are protected. 

The continued reporting of inaccurate information is causing me harm, damaging my credit standing, and constitutes unlawful behavior under multiple federal statutes. 

I am seeking the FTCs immediate intervention and enforcement to resolve this matter. 

Respectfully, 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