Consumer complaint received 2023-12-02
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please produce a signature where i contracted with XXXX 
If there is a rebuttal to this, please provide a certified, written statement signed wet-ink by a principal or agent under the penalty of perjury of the United States evidencing a valid contract signed by both parties. 

15 U.S. Code 1681s2 ( A ) ( 1 ) A states 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. I, XXXX XXXX, as a person believe that information is inaccurate, and until XXXX XXXX dba XXXX can produce 1 ) a certifed statement with a wet-ink signature stating that the IRS form 1099c copy B is not proof of discharge and 2 ) a certified statement with both signatures by both parties XXXX XXXX XXXX XXXX evidencing a valid contract. 

The company states the loans have not been discharged. I request a full transaction report according to GAAP, public and private, giving valid proof of this claim. 

The 1099c document provided is NOT an attempt or claim make PAYMENT, but rather proof from that the debt has been discharged. As documented on the ACCEPTED IRS form, you received this form because a federal government agency or applicable financial entity ( a creditor ) has discharged ( canceled or forgiven ) a debt you owed.. There is no mention of me requesting this info to be accepted as a valid form of payment, there can be no valid form of lawful payment made, when in fact the debt has been discharged ( CANCELED OR FORGIVEN ). 

15 U.S. Code 1681b - Permissible purposes of consumer reports : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give this authorization, that is a violation of the Fair Credit Reporting Act. Privacy Act of 1974 ( 5 U.S. Code 552a ) record means any item, collection, or grouping of information abou an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports. ( 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 the prior written consent of, the individual to whom the record pertains XXXX XXXX XXXX XXXX and Consumer reporting agencies XXXX, XXXX, and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX XXXX XXXX XXXX XXXX, Experian whether it be verbal, non-verbal, written, implied or otherwise is revoked.

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