Consumer complaint received 2025-03-24 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: NC

Complaint narrative:
Subject : Dispute of Inaccurate Credit Reporting Violation of FCRA & IRS Regulations Dear Consumer Financial Protection Bureau, I am filing a formal dispute regarding an inaccurate and unfairly reported account on my credit report. The account in question is : Creditor Name : XXXX XXXX  Account Number : XXXX Disputed Issue : Incorrectly reported as an outstanding debt despite being filed as income on my taxes This account was written off by XXXX XXXX, and as required by IRS regulations, it was reported as income on my tax return. Under IRS Code 26 U.S. Code 61 ( a ) ( 12 ), when a debt is canceled and reported as taxable income, it ceases to exist as a legally enforceable obligation. Since I have already satisfied my legal obligation to the debt by paying taxes on the forgiven amount, it is inaccurate and unlawful for Experian and XXXX XXXX  to continue reporting this item as a delinquent debt. 

Furthermore, the continued reporting of this account violates my rights under : Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) : Credit furnishers are required to report accurate information. Since the debt is no longer legally owed, it should not be listed as a charge-off or outstanding balance.

Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692e ( 2 ) ( A ) : It is unlawful for a creditor or credit bureau to misrepresent the legal status of a debt. By continuing to report this account as delinquent, XXXX XXXX and Experian are misleading credit reporting agencies and potential creditors. 

FCRA 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) : When an account is disputed and proven to be inaccurate, the credit bureau must either correct or delete the item. Experians refusal to remove this item despite proof of its legal status is a direct violation of this provision. 

I am requesting the immediate removal of this account from my credit report. If this item is not deleted within 30 days from the date of this letter, I will have no choice but to take legal action against Experian and XXXX CARD for violations of the FCRA, FDCPA, and IRS reporting laws. Additionally, I will escalate this matter to the Federal Trade Commission ( FTC ), my state attorney general, and pursue damages for willful non-compliance. 

Please provide written confirmation of the deletion of this account. I expect compliance with federal law, and failure to act accordingly will result in legal action. 

In this report I have provide proof of identity, copy of my transcript of my taxes, a screenshot showing XXXX XXXX reporting on my credit report as : Account charged off. {$610.00} written off. {$610.00} past due as of XX/XX/2025. Also A copy of full complaint On XX/XX/2025, at approximately XXXX XXXX  Eastern Time, I contacted Experians customer service to inquire about why the XXXX XXXX  account remains on my credit report despite being filed on my taxes as income. I spoke with a customer service representative named XXXX. 

At first, XXXX was unable to answer my question regarding why the account was still being reported. After some back-and-forth, she finally stated that the company responded and verified that the account was accurate. However, Experian did not conduct a legitimate investigation, as required by the Fair Credit Reporting Act ( FCRA ) : Experian did not provide proof of who from XXXX XXXX verified the account. 

No supporting documents were provided to show the basis for their claim. 

Experian did not ask XXXX XXXX if they filed the debt as income on their taxes, which would legally make it invalid as a debt. 

Essentially, Experian accepted the companys word without requiring any verification or documentation, which is not a proper dispute resolution process under federal law. 
After waiting approximately 45 minutes just to speak with an agent, XXXX then tried to find a reason to disconnect the call instead of providing real assistance. It is unacceptable that Experian records consumers without consent, yet their agents do not want to be recorded when asked for accountability. Additionally, when I requested to speak with a supervisor, I was told that none were available, preventing me from escalating my concerns. 

I am filing a formal complaint against Experian and customer service agent XXXX for failing to properly investigate my dispute, refusing to provide proof of verification, and mishandling my inquiry in violation of the FCRA. I demand immediate action and a full review of Experians handling of my dispute.

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