Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
b'Dear CFPB Representative,\n\nI am submitting this complaint because XXXX XXXXL and the credit bureaus reporting this account are violating multiple federal laws by continuing to furnish inaccurate, unverifiable, and possibly discharged debt on my credit report.\n\nACCOUNT DETAILS:\n\t\XXXX XXXX\n\t\tAccount Number: XXXX\n\n\nNATURE OF COMPLAINT:\n\nI dispute the accuracy and legality of this account being reported, and the furnisher has failed to meet their legal obligations to validate, verify, or substantiate this debt under federal law. This constitutes a clear violation of:\n\n\n\n1. Fair Credit Reporting Act (FCRA):\n\t\t15 U.S.C.  1681i(a)(1)(A)  Requires a reinvestigation of disputed information. No actual documentation was provided to validate this account.\n\t\t15 U.S.C.  1681s-2(b)  Furnishers must investigate disputed information and remove or correct it if found to be inaccurate or unverifiable.\n\t\t15 U.S.C.  1681e(b)  Requires that only accurate, complete, and up-to-date information be reported.\n\t\t15 U.S.C.  1681g  I am entitled to a full disclosure of all information being reported about me.\n\t\t15 U.S.C.  1681n &  1681o  Civil liability for willful or negligent noncompliance with the FCRA.\n\n\n\n2. Fair Debt Collection Practices Act (FDCPA):\n\t\t15 U.S.C.  1692g(b)  Once a debt is disputed in writing, the collector must cease all collection activity until validation is provided. No such validation has been produced.\n\t\t15 U.S.C.  1692e  Prohibits any false, deceptive, or misleading representation regarding the character, amount, or legal status of the debt.\n\t\t15 U.S.C.  1692f  Prohibits unfair or unconscionable means to collect or attempt to collect a debt.\n\n\n\n3. IRS 1099-C Cancellation of Debt:\n\t\tIf a Form 1099-C was filed with the IRS, this debt is considered legally discharged. Reporting a discharged debt as active, collectible, or charged-off on a credit report violates both:\n\t\tIRS Reg. 1.6050P-1  Cancellation of debt must be reported via Form 1099-C.\n\t\tFCRA  1681e(b)  Continuing to report a discharged debt is reporting inaccurate information.\n\n\n\n4. Case Law Supporting Deletion:\n\t\XXXX  v. Trans Union Corp., XXXX XXXX XXXX XXXX XXXX XXXX  A credit bureau cannot rely solely on the furnishers data and must perform an independent investigation.\n\t\tXXXX  v. Equifax Info. Servs., LLC, No. XXXX  Courts have ruled in favor of consumers when inaccurate data is not fully verified or validated.\n\n\n\nACTION REQUESTED:\n\nI am formally requesting the CFPB to investigate this matter and require:\n\t1.\tFull documentation of the original account (including my wet-ink signature).\n\t2.\tProof that no 1099-C has been filed (or confirm if it has, meaning the debt is discharged).\n\t3.\tImmediate deletion of this account if it cannot be fully validated under all federal laws cited above.\n\nIf the company continues to report this unverifiable information, I will pursue legal remedies under FCRA  1681n & 1681o, and FDCPA  1692k, for damages, court costs, and attorneys fees.\n\nThank you for your immediate attention to this matter.\n\nSincerely,\nXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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