Consumer complaint received 2025-05-20 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: PA

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and XXXX Fair Credit Reporting Act ( 73 P.S. 2181 et seq. ), I am submitting a formal dispute regarding an inaccurate and misleading tradeline reported by XXXX XXXX  XXXX on my credit files maintained by XXXX, Experian, and XXXX. 

Identification of the Inaccurate Tradeline : Furnisher XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status as Reported : Open Mortgage with outstanding balance This tradeline is inaccurate and should reflect a XXXX balance and closed status, pursuant to XXXX XXXX XXXX XXXX XXXX IRS Form XXXX ( Cancellation of Debt ), which I have attached along with the IRS transcript confirming this discharge. The debt was officially discharged, legally extinguishing any remaining obligation on my part, and must therefore be accurately reported by the credit bureaus.

Specific Violations Committed by Credit Bureaus : Under federal and state law, credit bureaus are required to maintain and report accurate consumer information. By reporting this discharged mortgage as open with an outstanding balance, Equifax, Experian, and TransUnion have violated : Fair Credit Reporting Act ( Federal Law ) : 15 U.S.C. 1681e ( b ) : Credit reporting agencies ( CRAs ) must follow reasonable procedures to assure maximum possible accuracy of information.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : CRAs must promptly conduct a reinvestigation within 30 days when consumers dispute accuracy.

15 U.S.C. 1681s-2 : Furnishers have a duty to provide accurate and complete information to credit reporting agencies.

Pennsylvania Fair Credit Reporting Act : 73 P.S. 2183 ( f ) : Mandates CRAs to maintain consumer records with maximum possible accuracy and correct any outdated, misleading, or inaccurate information.

73 P.S. 2185 : Establishes civil liability for violations by CRAs and furnishers who fail to comply with state credit-reporting standards.

Evidence Supporting My Claim : IRS Form 1099-C issued by XXXX XXXX, clearly showing the cancellation of my mortgage debt. ( Copy enclosed ) IRS Official Transcript validating the Form 1099-C, confirming discharge. ( Copy enclosed ) Given the irrefutable evidence presented, there is no reasonable justification for the continued inaccurate reporting of this account as open or unpaid.

Notice of Further Action : Failure to correct this issue promptly constitutes willful noncompliance under FCRA 616 and PA FCRA 2185, entitling me to statutory, actual, and punitive damages. Should this inaccurate information remain on my credit reports, I intend to : Escalate the issue by filing a complaint with the Pennsylvania Attorney Generals Office for violation of the Unfair Trade Practices and Consumer Protection Law ( 73 P.S. 201-1 et seq. ).

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