Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Experian claims that they have verified the accuracy of the items on my credit report/file as verified. Well, how did Experian verify this information? I requested that Experian provide me with whom it is that they spoken to on a recorded line alone with this living persons name, contact information, whom it is they work for or what company they are speaking on behalf of, along with a copy of the recording so that I can clarify myself if it is truthful and lawful verification. as well as the time, date, and the persons name that called on behalf of Experian as well as their position and employee number. I have already informed Experian of the verification methods that Experian must obey based on the signature that Experian representee signed in the contract with Experian and the FCRA as well as with the United States of America corporation whom all have to obey laws of the constitution as well as the SEC. 15 USC 1681 3 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Validation must come from the original creditor. XXXX Letter ( Federal Trade Commission ) 31 CFR 903.5 Discharge of Indebtedness ; reporting requirements. The 1099c filling based on IRS topic 431, Canceled Debt makes this account INCOME. Income can not be reported on my credit report and this account must be removed immediately.

Experian is NOT investigating the accuracy of information obtained in my credit report based on 15 USC 1681. Experian is in violation of my consumer rights and I demand that Experian either send me the recording of the phone call or in person interview that Experian performed in coming up with this decision of stating these accounts to be verified. I request a copy of the recorded phone call, along with all parties names, position, whom they speaking on behalf of, as well as the time, place, date of the recorded call. If Experian did a in person interview with a live individual then I need the place, time, signed affidavit documentation involved in the communication of the accounts being verified on my credit report. If Experian CAN NOT provide ALL of the information that I requested, then Experian must remove the following information below from my credit report. I need the recordings along with ever live persons information involved in the accounts listed below. 
1- XXXX XXXX XXXX ACCT # XXXX I WILL ALLOW THIS ACCOUNT TO STAY ON MY CREDIT REPORT/FILE WITH THE FOLLOWING UPDATES ..., This account had been 1099c and IS PAID IN FULL. I have attached proof of the 1099 filling with the IRS and that is the legal documentation to show that this account is no longer an owed debt. This account show read as follows. BALANCE needs to read {$0.00} owed. Account should read PAID IN FULL. The percent paid off should read 100 percent off in full showing a {$0.00} balance due. Balance update should read the date of XX/XX/2023. 

2- XXXX XXXX Acc # XXXX Experian DOES NOT have my consent to report this account on my credit report. This is a closed account and is no longer a collectable account. I demand that Experian CEASE AND DESIST in reporting this account on my credit report and remove this account immediately. Any consent that Experian though they had in reporting this XXXX XXXX account is now revoked and blocked. Definition of CLOSED ACCOUNT is any account that has been deactivated or otherwise terminated, either by the customer, custodian or counterparty. At this stage, no further credits and debits can be added. This account is reflecting as closed by the consumer on my credit report and a closed account is not collectable. This account keeps being reported inaccurately by Experian and needs to be removed immediately because this account is considered income. 

3- XXXX XXXX Acc # XXXX Experian DOES NOT have my consent to report this account on my credit report. This is a closed account and is no longer a collectable account. I demand that Experian CEASE AND DESIST in reporting this account on my credit report and remove this account immediately. Any consent that Experian though they had in reporting this XXXX XXXX account is now revoked and blocked. Definition of CLOSED ACCOUNT is any account that has been deactivated or otherwise terminated, either by the customer, custodian or counterparty. At this stage, no further credits and debits can be added. This account is reflecting as closed by the consumer on my credit report and a closed account is not collectable. This account keeps being reported inaccurately by Experian and needs to be removed immediately because this account is considered income. 
Experian DOESN'T have my written, verbal or any consent what-so-ever to report items on my credit report, so then I demand that they do as I request and remove all items that I demand to be taken off my credit report. I am the owner and holder in due course of my own credit report that has my name on it, which is being sold and traded on the primary and secondary market. 
Is Experian reporting to the IRS the correct tax payment due for the use of my credit report bringing Experian credits? Did Experian give me full disclosure of how they were going to use my credit report/file and did I give Experian my consent to even use my personal information to start a credit report/file under my name?

15 USC 6802 15 USC 1681

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