Consumer complaint received 2023-02-12
Company: Experian Information Solutions Inc.
State: VT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am filing this complaint because I was given verification for an investigation of inaccurate information that was placed on my credit report by Experian, and the information is still inaccurate. I sent the ( attached below ) dispute letter to Experian on XX/XX/2023 through certified mail with tracking number XXXX XXXX XXXX XXXX XXXX ( mail reciept attached below ). XXXX XXXX Account Number XXXX, and XXXX XXXX Account Number XXXX still show as a collections account on my experian consumer report. Accounts XXXX XXXXXXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX show as charge off accounts on my experian consumer report. I explicitly put Experian on notice that they are violating 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors. 
As defined by the IRS, Even if you didnt receive a form 1099-c, you must report canceled debt as gross income on your tax return unless one of the exceptions or described exclusions later applies The IRS clearly defines a charge off or collections as gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT! 
By definition the IRS clearly states that a canceled or charged off debt is income.The reporting of this account as a debt is inaccurate. I was never sent a copy of the 1099-c form that was supposed to be filed. I asked Experian to verify this as accurate information, or delete it and they chose not to comply with the law, keeping income in the form of collections on my consumer report. I demand for these 4 accounts to be deleted from my experian consumer report immediately, and I demand to be compensated {$1000.00} for each of the 4 willful noncompliance to accurate credit reporting violations perpetrated by experian.

Also, The following accounts still show up with late payments after warning experian that they are in clear violation of the law when furnishing this information. XXXX XXXX Account XXXX XXXX shows 4 late payments, XXXX XXXX Account Number XXXX shows 8 late payments, XXXX XXXX Account Number XXXX shows 6 late payments, XXXX XXXX XXXX Account Number XXXX 1 late payment, XXXX XXXX XXXX Account Number XXXX shows 4 late payments. That is a total of 23 reported late payments ( which are each a violation of the law ) on my experian consumer report. They were warned, and asked to change the information and they willfully decided to not comply with my lawful requests, and to violate the FCRA. The information is in fact inaccurate, the continued reporting of this inaccurate information is a clear violation of the law 15 USC 1681s-2. Furthermore the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS except as provided in paragraph ( 3 ) The term consumer report does not include- Subject to section 1681 ( s ) of this title any- ( i ) reports containing information solely as to transactions and experiences between the consumer and the person making the report. On my personal Information, There are 3 phone numbers, none of which are my personal phone numbers. I asked Experian to verify my information and this is inaccurate information that they said had been verified, and is still on my consumer report. All 3 phone numbers listed on my experian consumer report are inaccurate. I demand this information be removed from my consumer report, and I demand to be compensated {$1000.00} for each of the XXXX violations of inaccurate information. 
I also demand that the account XXXX XXXX XXXX Potentially Negative that has no information be deleted from my consumer report. This is incomplete information being reported to my consumer report. I also demand to be compensated {$1000.00} for this violation of incomplete information being reported, I asked Experian to verify if this is accurate and complete, and they willfully chose not to correct this information. There are a total of 31 violations on my experian consumer report. This is egregious willful noncompliance of the laws in place to protect consumers like me. I have faced severe troubles, emotional pain, and stress from the financial situation caused by this inaccurate and incomplete reporting on my Experian consumer report. I demand for Experian to be held accountable, and I demand to be compensated {$1000.00} for each of the 31 violations on my experian consumer report.

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