Consumer complaint received 2025-02-09 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: FL

Complaint narrative:
The credit reporting agency is violating 15 U.S.C. 1681s-2 ( b ) by continuing to report inaccurate and unverifiable information on my credit report despite my written disputes and instructions. This failure to investigate and correct errors violates the Fair Credit Reporting Act ( FCRA ) and has been the subject of enforcement actions, such as the CFPB v. Experian ( XXXX ), where Experian was sued for misrepresenting credit scores and failing to ensure accuracy. Additionally, in XXXX v. TransUnion ( XXXX ), the Supreme Court ruled against inaccurate reporting that caused consumer harm. The agencys continued failure to report accurately and act on my disputes constitutes negligent and willful noncompliance, warranting immediate correction and potential legal action under 15 U.S.C. 1681n and 1681o. 

XXXX. The XXXX. XXXX XXXX collection account violates multiple provisions under the Fair Debt Collection Practices Act ( FDCPA ) : XXXX. XXXX XXXX violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) under the FCRA for inaccurate reporting and UCC 9-610 for improper handling of alleged debt. Additionally, the continued reporting of XXXX, XXXX, and XXXX delinquencies despite potential charge-off and debt sale violates federal billing accuracy standards. If the creditor claimed insurance or a tax deduction, yet continues to report the balance as due, this constitutes a violation of IRS regulations against double recovery. Case law : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX The reporting of this charged-off auto loan violates UCC 9-610 ( improper disposition of collateral ) and UCC 9-625 ( creditor liability for noncompliance ), along with 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) under the FCRA for failing to report accurately. Additionally, if the lender claimed a loss or insurance reimbursement, they have violated IRS guidelines by attempting double recovery while still reporting the debt as due. Case law : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) confirms that inaccurate credit reporting causing harm is actionable under the FCRA. Immediate correction and deletion are required XXXXXXXX XXXX This account violates 15 U.S.C. 1681s-2 ( b ) ( FCRA ) & IRS Code 6050P : Inaccurate Reporting : The creditor continues to report a charged-off balance from XXXX through XXXX without verification. 
Unverifiable Debt : Failure to provide proper validation violates UCC 9-210.

IRS Tax Violation : If the creditor claimed this debt as a tax loss, it must not be reported as outstanding credit ( IRS Code 166 ).

Immediate action required : Delete this account or correct inaccuracies to avoid further legal liability.

Violations for Charge-Off and Written-Off Accounts Fair Credit Reporting Act ( FCRA ) Violations 15 U.S.C. 1681s-2 ( b ) A charged-off account that has been written off must not continue reporting a past-due balance unless the creditor provides accurate, verifiable data. 
XXXX XXXX : XXXX v. Experian, XXXX. XXXX ( XXXX XXXX XXXX ) Experian was held liable for failing to properly investigate and update a charge-off. 
Fair Debt Collection Practices Act ( FDCPA ) Violations 15 U.S.C. 1692e & 1692f False or misleading representation : If a creditor writes off the debt for tax purposes and sells it to a debt collector, continued reporting as a past-due balance may constitute misrepresentation. 
Case Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, No. XXXX ( XXXX. Mo. XXXX ) Found that reporting an account as delinquent after a charge-off could be deceptive. 
IRS XXXX Violation XXXX XXXX. XXXX If the lender claimed a tax deduction for the charge-off, they must issue a XXXX, meaning the debt is canceled and should not be reported as a balance owed. 
XXXX XXXX : XXXX v. XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX ) XXXX a consumer liable after a charge-off that was written off for tax purposes was deemed improper. 
Uniform Commercial Code ( UCC ) Violation UCC 9-210 A creditor must verify and substantiate a debt upon request. Reporting without documentation violates UCC disclosure requirements.

Action Required : This account must be removed immediately due to inaccurate, unverifiable, and misleading reporting. Continued violations will result in legal action. 
XXXX XXXX XXXX ( Account # XXXX ) XXXXXXXX XXXX XXXX  ( Account # XXXX ) XXXX. XXXX XXXX XXXX ( Account # XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( Account # XXXX ) XXXX. XXXX XXXX ( Account # 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