Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
EXPERIAN IS INCORRECTLY ALLOWING COMPANIES XXXX XXXX, XXXX XXXX XXXX AND XXXX XXXX TO CONTINUE TO REPORT ON A CHARGOFF IN DIRECT CONTRADICTION OF THE LAW. 
EXPERIAN IS REQUIRED TO GET MY WRITTEN CONSENT AND THIS IS WHAT EXPERIAN DOES NOT HAVE. 
I AM DEMANDING AN AUDIT ON THESE ACCOUNTS IN ACCORDANCE WITH THE ATTACHED EVIDENCE Experian Credit Bureau REMOVE THESE CHARGOFFS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE - YOUR COMPANY IS REPORTING INACCURATE INFORMATION. 
NOTICE TO AGENT IS NOTICE TO PRINCIPLE TO THE CONSUMER REPORTING AGENCIES. 

THE REPORTING OF THIS INACURATE INFORMATION HAS AFFECTEED MY CHARACTER, MY REPUTATION, MY LIVELIHOOD AND MY ABILITY TO OBTAIN A CAR, HOUSE, AND OTHER THINGS THAT AFFECT MY ECONOMIC STATUS. 
YOU AND YOUR COMPANY IS AFFECTING MY LIVELIHOOD. 
15 USC SECTION 1681S-2- RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES ( a ) Duty of furnishers of information to provide accurate information.

( 1 ) 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 in-accurate.

( B ) reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to a consumer reporting agency if ( XXXX  ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, and ( XXXX  ) the information is, in fact, inaccurate ( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall not be subject to subparagraph ( A ) : however, nothing subparagraph ( B ) shall require a person to specify such an address.

Duty : - a moral and legal obligation Accurate; correct in all details in exact Prohibition ; a law regulation forbidding something As defined by the I.R.S. even if you didnt receive a tax form 1099-c you must report cancelled debt and gross income the I.R.S. clearly states charge off as income, therefore, THE reporting of this account is inaccurate.

Income does not get reported on the consumer report, which makes this reporting inaccurate.

By definition, the I.R.S. clearly states, the charge off is income, the reporting of this account as inaccurate.

15 USC 1681 S-2 you are the furnisher of information to the reporting to the credit bureau agencies . 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.

You are prohibited by law to furnish inaccurate information. I demand you cease and decease of this inaccurate information immediately You are hereby put on notice you have been reporting inaccurate information.

15 USC Section 1681s-2 responsibilities of furnishers of information to consumer reporting agencies.

( B ) reporting information after notice and confirmation of errors a person shall not furnish information relating to a consumer to any consumer reporting agency if ( XXXX ) the person has been notified by the consumer, at the address specified by the person for such notices that specific information is in-accurate; and ( XXXX  ) the lender must file a 1099-c and SEND you a copy of the debt if more than XXXX $ and the lender is a federal institution, credit union, and government agency. Please send me my form 1099-c that they should of sent you that they filed as cancelled debt.

In conclusion you are hereby put on notice, and I have clearly shown this inaccurate information.

This reporting has caused my family a tremendous financial loss and hardship as I am not able to process fully my livelihood. You have 10 calendar days to remove this from my credit report. 
Sincerely XXXXXXXX XXXX XXXXXXXX Enclosed Bank statement Social security card Drivers license

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