Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX Acct # : XXXX Account is listed as CLOSED, {$1500.00} written off. Sold to a 3rd party debt collector. This creditor can not publish this information as they do not own the account any longer, have already gotten a tax write off from the US IRS. They did not provide a 1099-C form therefore this debt is illegally being verified and can not be reported as it is considered income by the IRS. 
I never opened this account, I have put a fraud alert on my credit profiles but yet the credit bureaus keep claiming this debt is mine and will not remove this account per my request. 
This account also reports multiple CO dates in the payment history areas. This is illegal as they can not charge off a debt more than once. Please delete this item to remedy this situation. 

XXXXXXXX XXXX XXXX  Acct # : XXXX Account is listed as a charge off, {$1500.00} written off. Sold to a 3rd party debt collector. This creditor can not publish this information as they do not own the account any longer, have already gotten a tax write off from the US IRS. They did not provide a 1099-C form therefore this debt is illegally being verified and can not be reported as it is considered income by the IRS. 
I never opened this account ; I have put a fraud alert on my credit profiles but yet the credit bureaus keep claiming this debt is mine and will not remove this account per my request. 
This account also reports multiple CO dates in the payment history areas. This is illegal as they can not charge off a debt more than once. Please delete this item immediately to remedy from my credit file to remedy this issue. 
This account is reporting a balance ; no charge off account and no closed account can report a balance as the account is closed/charged off and can not have a balance. This is essentially reporting my private personal income on a national basis and it is illegal to report income per FCRA, USC codes, and XXXX standards. 

XXXX XXXXXXXX XXXX XXXX  Acct # : XXXX Account is listed as a charge off, {$1000.00} written off. Sold to a 3rd party debt collector. This creditor can not publish this information as they do not own the account any longer, have already gotten a tax write off from the US IRS. They did not provide a 1099-C form therefore this debt is illegally being verified and can not be reported as it is considered income by the IRS. 
I never opened this account ; I have put a fraud alert on my credit profiles but yet the credit bureaus keep claiming this debt is mine and will not remove this account per my request. 
This account also reports multiple CO dates in the payment history areas. This is illegal as they can not charge off a debt more than once. Please delete this item immediately to remedy from my credit file to remedy this issue. 
This account is reporting a balance ; no charge off account and no closed account can report a balance as the account is closed/charged off and can not have a balance. This is essentially reporting my private personal income on a national basis and it is illegal to report income per FCRA, USC codes, and XXXX standards. 

XXXX XXXX XXXXXXXX Acct XXXX : XXXX Account is listed as a charge off, {$760.00} written off. Sold to a 3rd party debt collector. This creditor can not publish this information as they do not own the account any longer, have already gotten a tax write off from the US IRS. They did not provide a 1099-C form therefore this debt is illegally being verified and can not be reported as it is considered income by the IRS.

I never opened this account ; I have put a fraud alert on my credit profiles but yet the credit bureaus keep claiming this debt is mine and will not remove this account per my request. 
This account also reports multiple CO dates in the payment history areas. This is illegal as they can not charge off a debt more than once. Please delete this item immediately to remedy from my credit file to remedy this issue. 
This account is reporting a balance ; no charge off account and no closed account can report a balance as the account is closed/charged off and can not have a balance. This is essentially reporting my private personal income on a national basis and it is illegal to report income per FCRA, USC codes, and XXXX standards. 

XXXX XXXX Acct # : XXXX Account is listed as a charge off, {$8700.00} written off. Sold to a 3rd party debt collector. This creditor can not publish this information as they do not own the account any longer, have already gotten a tax write off from the US IRS. They did not provide a 1099-C form therefore this debt is illegally being verified and can not be reported as it is considered income by the IRS.

I never opened this account ; I have put a fraud alert on my credit profiles but yet the credit bureaus keep claiming this debt is mine and will not remove this account per my request. 
This account also reports multiple CO dates in the payment history areas. This is illegal as they can not charge off a debt more than once. Please delete this item immediately to remedy from my credit file to remedy this issue. 
This account is reporting a balance ; no charge off account and no closed account can report a balance as the account is closed/charged off and can not have a balance. This is essentially reporting my private personal income on a national basis and it is illegal to report income per FCRA, USC codes, and XXXX standards. 

XXXX XXXX XXXX Acct # : XXXX Account is listed as a CLOSED, {$2400.00} written off. Sold to a 3rd party debt collector. This creditor can not publish this information as they do not own the account any longer, have already gotten a tax write off from the US IRS. They did not provide a 1099-C form therefore this debt is illegally being verified and can not be reported as it is considered income by the IRS. 
I never opened this account ; I have put a fraud alert on my credit profiles but yet the credit bureaus keep claiming this debt is mine and will not remove this account per my request. 
This account also reports multiple CO dates in the payment history areas. This is illegal as they can not charge off a debt more than once. Please delete this item immediately to remedy from my credit file to remedy this issue.

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