Consumer complaint received 2024-02-10 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, Tx XXXX XXXX  XXXX XXXX XXXX  XXXX ( {$1600.00} written off ) XXXX  XXXX XXXX  XXXX ( {$100.00} written off ) Each disputed account the debt has been deem uncollectible. Each disputed account is past the statute of limitations. Each company has issued a form 1099c. There are court cases that have ruled it is unfair to continue to report to a credit report after these actions have taken place. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  it would be inequitable to require that ( Defendant ) report the discharge of debt as income on his federal tax return or face the potential tax consequences and hold that the plaintiff may continue to hold him liable on the debt XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX ( a ) holding that it is inequitable to allow a creditor to belatedly enforce the alleged debt after it received the tax benefit of the charge off XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( issuance of form 1099c after debt was written off is " Prima Facie evidence '' that debt had been discharged by creditor, sufficient to create an issue of fact I have also filed a tax fraud case against XXXX. The reference number for this case is XXXX. 

FCRA Violations XXXX XXXX ( {$100.00} written off ) The account number listed is not accurate. This is not the entire account number. The account number exactly matches another negative account reporting. FCRA violation. 

XXXX  XXXX The account number listed is not accurate. This is not the entire account number. FCRA violation. 
Payment history is reporting inaccurate. Several months have no payment history. No on time payments reporting. No late history reporting. 
No credit limit reporting. Incomplete information XXXX  acct. XXXX ( {$1600.00} written off ) The account number listed is not accurate. This is not the entire account number. The account number exactly matches another negative account reporting. FCRA violation. 
Payment history is reporting inaccurate. Several months have no payment history. No on time payments reporting. No late payment history reporting. 
*No high balance reporting. 
Date of last activity reporting different for Experian and XXXX Last payment reporting different for Experian and XXXX. 

XXXX  XXXX XXXX The account number listed is not accurate. This is not the entire account number. FCRA violation. 


I hereby demand that you immediately delete these items from my credit report in order to avoid legal action. If these items are not deleted and come back verified Ill then proceed to take these items to small claims court where Ill seek to get my desired remedy. Ill also be submitting this complaint to the Attorney Generals Office, and the 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