Consumer complaint received 2023-05-21
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
You are in violation of The Fair Credit Reporting Act, several of the accounts on my consumer report are Inaccurate and are violating my rights. My personal information on my consumer report should be exactly the way it is stated in the section above. Any Names, Addresses, DOB, Social Numbers, Email addresses, Employers, that are not in the section above are inaccurate and should be removed immediately. 

Accounts That are in Violation : XXXXXXXX XXXX XXXXXXXX : XXXX This Account is closed and Charged Off. Remove immediately from my consumer report. I never received a 1099-C form since this is considered discharged debt. The account is written off which would mean this is now an income. Income is not to be reported as a debt for it is illegal and against U.S Consumer Law. Furthermore, I would also need the method of verification that proves this account is accurate, in writing. You have 30 days to get me the method of verification or you must delete. 
15 US Code 1681e ( b ) - Compliance Procedures XXXXXXXX XXXX XXXX : XXXX This Account is closed and Charged Off. Remove immediately from my consumer report. I never received a 1099-C form since this is considered discharged debt. The account is written off which would mean this is now an income. Income is not to be reported as a debt for it is illegal and against U.S Consumer Law. Furthermore, I would also need the method of verification that proves this account is accurate, in writing. You have 30 days to get me the method of verification or you must delete. 15 US Code 1681e ( b ) - Compliance Procedures XXXX XXXXXXXX : XXXX This Account is closed and Charged Off. Remove immediately from my consumer report. I never received a 1099-C form since this is considered discharged debt. The account is written off which would mean this is now an income. Income is not to be reported as a debt for it is illegal and against U.S Consumer Law. Furthermore, I would also need the method of verification that proves this account is accurate, in writing. You have 30 days to get me the method of verification or you must delete. 15 US Code 1681e ( b ) - Compliance Procedures XXXX  XXXX : XXXX This Account is closed and Charged Off. Remove immediately from my consumer report. I never received a 1099-C form since this is considered discharged debt. The account is written off which would mean this is now an income. Income is not to be reported as a debt for it is illegal and against U.S Consumer Law. Furthermore, I would also need the method of verification that proves this account is accurate, in writing. You have 30 days to get me the method of verification or you must delete. 15 US Code 1681e ( b ) - Compliance Procedures XXXX XXXX XXXX : XXXX This Account is closed and Charged Off. Remove immediately from my consumer report. I never received a 1099-C form since this is considered discharged debt. The account is written off which would mean this is now an income. Income is not to be reported as a debt for it is illegal and against U.S Consumer Law. Furthermore, I would also need the method of verification that proves this account is accurate, in writing. You have 30 days to get me the method of verification or you must delete. 15 US Code 1681e ( b ) - Compliance Procedures XXXXXXXX XXXX XXXX  XXXX This Account is closed and Charged Off. Remove immediately from my consumer report. I never received a 1099-C form since this is considered discharged debt. The account is written off which would mean this is now an income. Income is not to be reported as a debt for it is illegal and against U.S Consumer Law. Furthermore, I would also need the method of verification that proves this account is accurate, in writing. You have 30 days to get me the method of verification or you must delete. 15 US Code 1681e ( b ) - Compliance Procedures XXXX XXXX XXXXXXXX This Account is closed and Charged Off. Remove immediately from my consumer report. I never received a 1099-C form since this is considered discharged debt. The account is written off which would mean this is now an income. Income is not to be reported as a debt for it is illegal and against U.S Consumer Law. Furthermore, I would also need the method of verification that proves this account is accurate, in writing. You have 30 days to get me the method of verification or you must delete. 15 US Code 1681e ( b ) - Compliance Procedures XXXXXXXX XXXX XXXXXXXX Credit Card XXXX XXXX This Account is closed and Charged Off. Remove immediately from my consumer report. I never received a 1099-C form since this is considered discharged debt. The account is written off which would mean this is now an income. Income is not to be reported as a debt for it is illegal and against U.S Consumer Law. Furthermore, I would also need the method of verification that proves this account is accurate, in writing. You have 30 days to get me the method of verification or you must delete. 15 US Code 1681e ( b ) - Compliance Procedures XXXX XXXX XXXX : XXXX I have no acknowledgement of this account, I have never signed a contract of debt with this company. Delete immediately off of my consumer report. This account is being reported under collections, which means they bought information from another company which now means i'm not liable for this under Law. Delete immediately 15 US Code 1692 ( b ) - Acquisition of Location Information ( 2 ) not state that such consumer owes any debt : ( 3 ) not communicate with any such person more than once unless requested by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information XXXX XXXX Inquiry I never gave permission to this company to run a hard inquiry on my consumer report. Provide proof of signature for this request of debt. If you can not provide delete immediately for this is in violation of my rights. 
15 US Code 1681 ( b ) - Permissible purposes of Consumer Reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : XXXX XXXX- Inquiry I never gave permission to this company to run a hard inquiry on my consumer report. Provide proof of signature for this request of debt. If you can not provide delete immediately for this is in violation of my rights. 
15 US Code 1681 ( b ) - Permissible purposes of Consumer Reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : XXXX XXXX XXXX XXXX Inquiry I never gave permission to this company to run a hard inquiry on my consumer report. Provide proof of signature for this request of debt. If you can not provide delete immediately for this is in violation of my rights. 
15 US Code 1681 ( b ) - Permissible purposes of Consumer Reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other :

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