Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Creditor Name : XXXX CARD Account number : XXXX I am writing this dispute to XXXX  Card Service because I believe you are committing illegal activities violating the FCRA and tax fraud. I am requesting a copy of the 1099-C form that should have been filed to the IRS and I need the copy sent to me as this is my second request since you did not comply with my first request that was delivered to you via certified mail. As we both know a CHARGE-OFF of {$600.00} dollars or more is CANCELED debt classified as taxable income defined by the IRS. Taxable income that should not be reporting on my consumer report explained by the FCRA. I hope XXXX Card Service understands that if they did not file the 1099-c form and delete the account on all 3 bureaus to the IRS for the canceled debt/taxable income I will be submitting a report to the CFPB, FTC, and IRS that XXXX Card Services are committing Tax fraud. I hope XXXX Card Services understand as well that if they did file the form I need a copy of the 1099-c form and you shall delete the charge-off/canceled debt from all 3 bureaus since income is not a part of a consumer report explained by the FCRA. I need this request fulfilled in the next 7 business days from the return receipt if not I will take legal action.

15 U.S Code 1681a ( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for This FCRA law explains what is in a consumer report, nowhere does it say that taxable income is supposed to be in a consumer report. Now that you know what is supposed to be in a consumer report, it is now your duty to send the 1099-c and inform the bureaus that the alleged charge off is now taxable income which is not included in a consumer report as XXXX is wrongfully reporting false information. In the next 7 business days this needs to be fixed! 


15 U.S Code 1681s-2 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

I was recently looking at my consumer report and your agency put a remark on my consumer report which I will put below, XXXX reported on XXXX XXXX Paid profit and loss. You must know that this is taxable income, so yet again why is JPMCB continuing to report and violate multiple laws and the IRS since you are still reporting this canceled debt on my report till this day. This will be reported and filed to all parties to let them know that your company is abusing your rights and defaming my character, so your best bet is to fulfill my demands immediately before I take legal action.

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