Consumer complaint received 2023-01-27
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with FCRA these creditors has violated my right under 15 USC 1681 section 602 states that i have the right to privacy 15 USC 1681 section 604 A section 2 it also states that a consumer reporting agenency can not furnish an account without my written consent or instructions. Under 15 USC 6801 states that i am protected of non-public information. I was violated, inaccurate information is being reported to my credit report. The FRCA 15 USC 6802 obligations with respect to disclose personal information. Creditors are supposed to provide consumers they do business with 3 disclosures forms 1. Form stating they are going to report your personal information to consumer agenacies. 2. You have the option to opt out if you dont want your information reported 3. Form explaining how to exercise your right to opt out and the steps to take. 
All of the listed accounts are reporting as " charged off '' the irs views charge offs as gross and ordinary income and i have never recieved any off the 1099-c form cancellation of debt forms so inaccurate is being reported. There is also inaccurate information reporting different information and different dates. 
XXXX XXXX XXXX is charged off Experian balance  update is XX/XX/XXXX XXXX is XXXX a XXXX  update of XX/XX/XXXX and XXXX is reporting a update balance on XXXX is also reporting XXXX high balance of {$430.00} and XXXX and experian doesnt report a high balance all creditors show a past due balance of {$240.00} XXXX XXXX XXXX  XXXX is being reported as charged off Experian balance update is XX/XX/XXXX XXXX is reporting balance update XX/XX/XXXX and XXXX is reporting balance update XX/XX/XXXX XXXX is reporting a high balance of {$1000.00} and XXXX and experian is not reporting the same information XXXX XXXX XXXX XXXX XXXX is charged off reporting XXXX update XX/XX/XXXX XXXX is reporting balance update XX/XX/XXXX XXXX  is reporting XXXX update on XX/XX/XXXX there is a past due balance of {$8800.00} from all creditors XXXX. XXXX XXXX XXXX is being reported as charged off with a update balance being reported on experian XX/XX/XXXX XXXX  is reporting a balance update XX/XX/XXXX and XXXX is reporting a balance updateXXXX XX/XX/XXXX XXXX and experian are reporting a past due balance of {$2900.00} XXXX is not reporting this XXXX. XXXX XXXX  XXXX  XXXX is chharged off and experian reporting a balance update on XX/XX/XXXX XXXX reporting balance update on XX/XX/XXXX and XXXX is reporting balance update on XX/XX/XXXX XXXX and experian is also reorting a past due balance of {$520.00} XXXX  is not reporting this information XXXX XXXX XXXX XXXX is reporting as charged off experian is repporting balance update on XX/XX/XXXX XXXX reporting balance update XX/XX/XXXX XXXX is reporting balance update on XX/XX/XXXX XXXX  and experian is also reporting a past due balance of {$1000.00}

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