Consumer complaint received 2022-03-19
Company: Experian Information Solutions Inc.
State: AL
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:
Experian is refusing to delete an inaccurate and incorrect reporting account from my consumer report. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and household purposes. 
This inaccurate reporting has damaged my livelihood 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting 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. 

Duty : a moral or legal obligation ; a responsibility Accurate : Correct in all details ; exact Prohibition : a law or regulation forbidding something As Defined by The IRS Even if you didnt receive a Form XXXX, you must report canceled debt as gross income on your tax return. 
The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

By Definition The IRS clearly states a Canceled or Charged off debt is income. Therefore, the reporting of this account as a debt is inaccurate. 

EXPERIAN IS PROHIBITED BY LAW to furnish inaccurate information. I demand them to Cease and Desist the reporting of incorrect/Inaccurate information immediately. 
15 USC 1681 s-2 ( a ) ( a1 ) ( A ) 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. 
They have been hereby put on NOTICE that they are furnishing incorrect inaccurate information. 
The lender must file Form XXXX and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union XXXX federal government agency, or other applicable entity as discussed earlier. 

The above paragraph is taken directly from the IRS 2022 publication. 

15 U.S. Code 1681s2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) reporting information after notice and confirmation of errors A personal shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) The person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) The information is, in fact, inaccurate In conclusion I have shown you, and you have also been put on notice that Experian is reporting inaccurate information. The information is, in fact, inaccurate. 

The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-3 of their responsibilities as a furnisher of information. 
They have caused my family and I severe harm due to their negligence and inaccurate reporting. This is a final opportunity to Cure and Delete This Erroneous, inaccurate account from my Experian consumer report. 

Additionally, the EXACT same documentation was provided to dispute a charge off account from the EXAXT same creditor by a family member of mines. Their account was deleted by this SAME credit bureau, so therefore I feel i have been discriminated against. The dispute process should be consistent, and the same characteristics should apply. I demand Experian to remove this inaccurate account immediately

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