Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am submitting this formal complaint against the servicer XXXX and associated debt collection agents for interference with a lawful debt remedy, misrepresentation of tax documents, and failure to acknowledge verified discharge filings in violation of federal protections. 
In the tax year XXXX, I lawfully filed XXXX separate IRS Forms XXXX for the cancellation of debts : XXXX. Department of Education ( via XXXX ) in the amount of {$3600.00} XXXX. XXXX XXXX XXXX in the amount of {$680.00} ( listed for reference only ) These filings were made in accordance with 26 U.S. Code 6050P for cancellation of indebtedness and were properly included as taxable income on my XXXX federal return. My IRS Return Transcript confirms the combined amount of {$4200.00} was reported as Additional Income and accepted by the Internal Revenue Service. 
Despite this, I received a threatening letter from XXXX dated XX/XX/XXXX, alleging the XXXX I filed regarding their loan was " fraudulent '' and citing various criminal statutes without producing any evidence or verification from the IRS. Their letter appears to be an attempt to intimidate me into continued payment on a debt that has been lawfully addressed. 
This conduct is deceptive, harmful, and potentially unlawful. The use of scare tactics and unsupported criminal threats violates my right to due process and constitutes harassment under both the Fair Debt Collection Practices Act ( FDCPA ) and the Dodd-Frank Act. 
I am requesting that the CFPB : Investigate XXXX 's refusal to acknowledge the XXXX discharge. 
Intervene in this matter to prevent continued threats or unlawful collection. 
Ensure that my federal credit records and student loan account reflect the discharge as filed. 

Have XXXX provide written proof from the IRS or Department of Education confirming their claim that the XXXX was false or improperly filed. 
A copy of the original promissory note and all loan accounting ledgers for full validation of any continued collection claims. 
In the absence of such documentation, these threats of criminal prosecution will be treated as harassment, intimidation, and a violation of my private right to due process and lawful remedy. 
You are further notified that I reserve all rights to pursue legal action against XXXX, its agents, and any other parties involved in defamatory or unlawful collection practices. 

I have attached the following documents for your review : Copy of both XXXX forms as filed ( XXXX listed for reference ) My IRS XXXX Return Transcript confirming {$4200.00} reported income Letter from XXXX threatening prosecution Thank you for your attention and protection of consumers facing unjust collection practices. I look forward to your timely intervention and resolution.

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