Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Pursuant to 15 usc 1681-congressional findings and statement of purpose : a ) Accuracy and fairness of credit reporting : congress makes the following findings : ( 4 ) there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacyb ) Reasonable procedures : It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
XXXX XXXX and XXXX XXXX account has been Charged off/written off. A charge off is a certificate of indebtedness. Why did credit reporting agencies not perform the correct investigation and not report to me first that XXXX XXXX and XXXX XXXX most likely filed a 1099c for cancellation of debt and that copy b is to be sent to consumer for proper Tax Filing? The Credit reporting agency failed to do the proper investigation and willfully with zero respect to me the consumer, damaged my reputation and credit profile i use in commercePer Title 15 USC 1681 : ( 2 ) Exclusions : - ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; *Reporting Transaction history is illegal*.Title 15 USC 1681b : Permissible purposes of consumer reports : - ( 2 ) In accordance with the written instructions of the consumer to whom it relates..*public law 90-321 ( 82 Stat. 146 ) : any agency can ONLY obtain a consumers report in response to a request by the head of a state or local child support enforcement agency ( or a state or local government official authorized by the head of such agency ) .pursuant to title 15 USC 1681c : Requirements relating to information contained in consumer reports : - except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : -Any other item of adverse information, other than records of convictions of crimes which antedates the report by more than sever years. - No adverse item besides the conviction of crimes should be on a consumers report, any item that is a DEROGATORY mark is not allowed into the consumer reports.per Title 15 USC 1681e By violating section 1681 b and section 1681c for information contained in consumer reports, consumer reporting agencies, are also violating compliance procedures under this title For the Privacy act of 1974 ( 5 USC 552a ), the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, Financial transactions, medical history and criminal or employment history, etc ( b ) Conditions of disclosure : - No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with prior written consent of, the individual to whom the record pertains. ONLY under section 3711 ( e ) of title 31 shall an agency disclose information to consumer reporting agencies..

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