Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
When i was in Florida i had a collection company buy the accounts from XXXX, they no longer own them, i call and this is what they say on the phone as well. Now i have a collection company and the original creditor effecting my credit and trying to collect from me. A creditor can not sell an account, take a IRS TAX credit and still say they are the owner of the account by evidence on my credit report as a Charge OFF. So they sold the accounts, got a Tax credit and still show ownership via my credit report!! sooooo... The law basically states that if all 3 of these disclosures were not provided to me, that is a direct violation of 15 U.S. Code 6802 and I have the right to exercise opting out. All 3 of these disclosures were not met, therefore I am demanding to opt out of having my information reported and demanding the reporting information to be DELETED from my consumer report. Additionally, in XXXX terms and conditions they agreed NOT to share my information with non affiliates. EXPERIAN, XXXX, and XXXX is not an affiliate of XXXX  nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. XXXX can not collect on a charged off 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 / cancelled debt as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate. I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt or charge off at all is inaccurate. Lastly, I did NOT give Experian, XXXX, XXXX written authorization or written instructions to report this information pursuant to 15 U.S. Code 1681b ( 2 ). And when I gave them my consumer instruction to remove this account, they denied me my consumer right. They have not only violated the Fair Credit Reporting Act, but they have committed aggravated identity theft as I clearly did not consent / revoked consent and Ive sustained defamation of my character, just to name a couple damages should this matter escalate to court. Because both XXXX  and EXPERIAN, XXXX, and XXXX have conspired against me collectively, they have both collectively violated my rights under 18 U.S. Code 241 - Conspiracy against rights, which states 18 U.S. Code 241 - Conspiracy against rights If two or more persons conspire to injure, oppress, threaten, or intimidate any person in any State, Territory, Commonwealth, Possession, or District in the free exercise or enjoyment of any right or privilege secured to him by the Constitution or laws of the United States, or because of his having so exercised the same ; or If two or more persons go in disguise on the highway, or on the premises of another, with intent to prevent or hinder his free exercise or enjoyment of any right or privilege so secured They shall be fined under this title or imprisoned not more than ten years, or both ; and if the reporting agencies they shall be fined under this title or imprisoned for any term of years. Accounts in Question refer to XXXX # 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