Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX is in violation of multiple laws set forth by XXXX in regards to several items being reported on my consumer Files. According to FCRA and 15 U.S.C. I am A consumer, and I am to be treated with fairly ; without biased observation and/or discrimination I as the consumer have the right to a fair and accurate Consumer Credit Report. 15 U.S.C. ( d ) clearly states that A Consumer Report is defined as follows : ( 1 ) Consumer Report is any written, oral, or other communication of any information by a consumer reporting agency providing information 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 to pay their obligations.

15 U.S.C. 1681 ( d ) ( 2 ) ( A ) ( i ) further states the Exclusions of A Consumer Report as the following : The term consumer report does not include any report containing information of transactions, or experiences between ( I ) the consumer and the Person ( ie. banks, credit unions, financial corporations, hospitals, Dealerships etc ) making the report. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, and Santander are in Violation Of my rights to a fair and Accurate Consumer File. According to 15 U.S.C. 1681 ( 3 ) ( A ) ( g ) the term File is as follows : When a file is used in connection with information of any consumer, this absolutely means all of the information recorded and retained on that consumer by a consumer reporting agency regardless of how the information is stored. XXXX, XXXX, and XXXX are also in Violation of the FCRA, they are using XXXX means by reporting prohibited transactions and experiences between myself and Furnishers of information. XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, and XXXX to report these prohibited items on my consumer file, RESULTING IN ADVERSE ACTIONS against ( me ) the consumer According to 15 U.S.C. 1681 ( 3 ) ( A ) ( f ) Credit Reporting Agencies refers to any PERSON that, for a fee, dues, or on a cooperative nonprofit basis, regularly participates, fully or partially, in the collection or assessment of consumer credit information or other data about consumers. This is done with the intention of providing consumer reports to third parties, utilizing any means of interstate commerce to prepare or deliver these reports. Furthermore According to 15 U.S.C. 1681 ( a ) ( 5 ) states except as authorized under subsection ( b ) no consumer reporting Agencies may make any consumer report containing ANY ADVERSE items of information, other than records of convictions of crimes which antedates the report by more than seven years. These accounts are reporting ADVERSE ITEMS, without my permission. Additionally 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, and XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. ( XXXX XXXX, XXXX XXXX, and XXXX XXXX ) can not collect on a XXXX debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate!. I never received a XXXX from ( XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ) for the cancelled debts in order to file as ordinary income. ( XXXX XXXX, XXXX XXXX, and XXXX XXXX  ) is clearly writing off debt with the IRS without sending out XXXX as required by the IRS for XXXX greater than { { {$600.00} } }. This is unsatisfactory! ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX ) has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. must also refund the remaining balance of the consumer account upon its termination. Last but not least ( XXXX XXXX, XXXX XXXX, and XXXXXXXX XXXX ) This is your 7 day notice to return ALL money due from this consum er account. XXXX Treatment of credit balances ; account termination. ( a ) Credit balances. When a credit balance in excess of { { {$1.00} } } is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( XXXX ) Credit the amount of the credit balance to the consumer 's account ; ( XXXX ) Refund any part of the remaining credit balance within XXXX business days from receipt of a written request from the consumer ; ( XXXX ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than XXXX months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. Lastly I have reached out to XXXX XXXX repeatedly concerning this billing error issue to no avail, and have been treated harshly to the extent of being hung up in my face. This saddens me because i have been bartering and trading with XXXXXXXX XXXX for many years, and raved about their excellent customer service until now.