Consumer complaint received 2022-05-20
Company: Experian Information Solutions Inc.
State: AZ
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:
3 months ago I obtained my consumer credit report and after reviewing I saw many erroneous things on accounts being furnished making my report not 100 % complete and accurate as the FCRA says all reports to be. XXXX XXXX XXXX  I sent certified letters to each furnisher reporting on my report telling them I have been effected by the XXXX my health suffered and considered a long hauler of XXXX  its effected work, and life and I showed them the inaccuracies on report and requesting there be thorough investigation on all accounts I listed. And then 45 days later I sent certfied mail to XXXX listing all errors and innacuracies that were being reported by furnishers and I requested investigation on the obvious errors. And 2 weeks letter I recieved back from the furnishers that everything was accurate. And then a week after the credit reporting agency sent notice that there were no changes and all accounts even though obvious errors were accurate. So I wrote another certified letter to credit reporting agency requesting reinvestigation and showing all the inaacuracies being reported. 3 weeks later I recieved a letter back from credit reporting agency stating no changes to the accounts. I read FCRA 15 US CODE 1681 ( s ) ( 2 ) 15 US CODE 1681 ( 7 ) ( E ) and I see that the Laws are there to help me and with the help of the CFPB I can be taken serious and get my report showing 100 % accuracy and erroneous free. Here are the accounts with errors and why they should be fixed or deleted. XXXX # XXXX ON XX/XX/2022 -30 DAY LATE REMOVE LATE PER CORONOVIRUS CARES ACT. XXXX XXXX  # XXXX FURNISHER CHARGED OFF WRITTEN OFF DEBT AND IRS STATES THAT IF OVER {$600.00} THERE SHOULD BE 1099 C ISSUED GIVEN IT IS GROSS INCOME AND THERE INCOME SHOULDNT BE ON MY REPORTED ANDTERMINATION OF COLLECTION AND THEY NEVER ISSUED ME 1099 C SO ITS THERE PROFIT THATS FALSE MISLEADING ON MY REPORT DELETE THIS ACCOUNT. 
XXXX # XXXX FURNISHER CHARGED WRITTEN OFF THIS DEBT AND IRS STATES OVER {$600.00} 1099 C GIVEN DUE TO BEING GROSS INCOME BUT THEY NEVER SENT ME 1099 C SO THIS IS FURNISHERS INCOME ON MY CREDIT REPORT THATS FALSE AND MISLEADING DELETE ACCOUNT. 
XXXX XXXX  # XXXX FURNISHER CHARGED OFF WRITTEN OFF THIS DEBT AND IRS STATES OVER {$600.00} BECOMES GROSS INCOME AND A 1099C GIVEN AND BECAUSE NO 1099 C GIVEN TO ME THIS IS THE FURNISHERS GROSS INCOME AND IT SHOULD NOT BE ON MY CREDIT REPORT PER THE IRS DELETE THIS ACCOUNT. XXXX XXXX XXXX # XXXX REMOVE ALL LATE PAYMENTS PER CORONOVIRUS CARES ACT. XXXX XXXX XXXXXXXX # XXXX THE FURNISHER CHARGED OFF WRITTEN OFF DEBT AND IRS SAYS IF OVER {$600.00} ITS CONSIDERED GROSS INCOME AND 1099 C GIVEN AND THE FURNISHER NEVER GAVE ME A 1099 C SO THIS THERE GROSS INCOME BEING LISTED ON MY CREDIT REPORT WHICH IS FALSE AND MISLEADING AND ERRONEOUS DELETE THIS ACCOUNT. XXXX XXXX # XXXX THIS 3RD PARTY DEBT COLLECTER I NEVER HAD CONTRACT WITH IS VIOLATING ME UNDER 15 USC 1692 A-E. HIPPA RESTRICTS THEM FROM HAVING KNOWLEDGE OF ANY OF MY HEALTH CONCERNS THERE VIOLATING MY PRIVACY THEY KNOW ABOUT MY SPECIFIC HEALTH ISSUES YET THEY ARE NOT HEALTH CARE PROVIDERS AND SHOULDNT KNOW THIS OR HAVE ANY ACCESS TO IT DELETE THIS ACCOUNT. 
XXXX XXXX XXXX # XXXX THIS 3RD PARTY DEBT COLLECTER I NEVER HAD CONTRACT WITH IS VIOLATING ME UNDER 15 USC 1692 A-E. HIPPA RESTRICTS THEM FROM HAVING KNOWLEDGE OF ANY OF MY HEALTH CONCERNS THERE VIOLATING MY PRIVACY THEY KNOW ABOUT MY SPECIFIC HEALTH ISSUES YET THEY ARE NOT HEALTH CARE PROVIDERS AND SHOULDNT KNOW THIS OR HAVE ANY ACCESS TO IT DELETE THIS ACCOUNT.

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