Consumer complaint received 2024-09-09 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: MD

Complaint narrative:
XXXX and Experian continue to report debts that have not been validated. Accounts have been removed from XXXX still showing on XXXX and Experian Settled Charge off Account without an issuance of a 1099c on the accounts listed below. This is a follow-up to notice I received about the charge off accounts | never received a 1099c XXXX XXXX The account was settled and XXXX was written off. This account was changed from a receivable to a loss in XXXX XXXX accounting bocks. XXXX XXXX had to report this loss to the IRS to receive a tax credit. 
The definition of a charge off is : " The Creditor ( XXXX XXXX ) ) changes the account from a receivable account to a lost in XXXX XXXX accounting books. This loss has to be reported to the IRS in XXXX XXXX XXXX. 
Tax return to receive a tax credit for the loss. The IRS Definition of an 1099c is used to declare amounts of {$600.00} or more that is forgiven or canceled by a lender or creditor, including the abandonment of secured property or a foreclosure. 

Subject : Dispute Regarding Unauthorized Credit Reporting and Violation of USC 6801 and 6802 Sent to XXXX XXXX and they removed from credit but XXXX and Experian has failed to remove from consumer credit I am writing to dispute a matter related to the unauthorized reporting of my personal information to credit bureaus, which I believe constitutes a violation of both the Fair Credit Reporting Act ( FCRA ) and Privacy Act of 1974 ( 5 U.S.C. 552a ), particularly under sections 6801 and 6802. 
I discovered that my personal information was reported to credit bureaus by your company. I did not provide explicit permission for this reporting, nor was I asked to sign the required authorization forms, as stipulated by the FCRA and related privacy regulations. 
1. **USC 6801** : Requires that personal information collected and maintained by entities must be used solely for lawful purposes and with proper consent.

2. **USC 6802** : Mandates the protection of personal information against unauthorized access or disclosure.

3. **Fair Credit Reporting Act ( FCRA ) ** : Requires explicit consumer consent before reporting information to credit bureaus and necessitates proper documentation and notification procedures. 
To resolve this issue, I request the following : 1. **Immediate Review** : Review the circumstances of this unauthorized reporting and provide a detailed explanation.

2. **Correction of Records** : Remove any unauthorized reports from my credit file immediately.

3. **Documentation** : Provide written confirmation of the corrective actions taken and assurances that my personal information will be protected according to legal requirements. 
4. **Compliance Confirmation** : Confirm that all necessary permissions and forms have been properly handled in compliance with applicable laws. 
Please acknowledge receipt of this letter and provide a response within 30 days. 
Thank you for your prompt attention to this matter. I expect that appropriate actions will be taken to rectify this situation. 


XXXX has been using stall tactics claiming to cant verify my identity when I have transunion credit app. Which required identify verification. They cant verify my identity and they cant verify the debts yet they are continuing to report. If agency cant verify identity they should not be reporting anything under said name or social security number. This agency is violating my rights under federal law attached is the letter sent to XXXX XXXX  and to the credit bureau which resulted in deleted account from 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