Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: CA
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:
Please be advised this is my third written request and final warning. 
I also fully intend to pursue litigation in accordance with the FCRA to enforce my rights, and to seek relief and recover all potential monetary damages that I may be entitled to undersection 616 and Section 617, regarding your continued willful and negligent non-.

compliance.

Despite my previous two ( 2 ) formal written requests, the impermissible/inaccurate information items listed below still remain on my credit report in violation of Federal Law.

You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these now you are stating what is inaccurate about my credit when I have stated laws and how its inaccurate. on my credit report 3 accounts have remained on my credit report that i didn't give written consent to be put there 1 charge off from ( XXXX XXXX XXXX ) and 2 collections ( XXXX XXXX AND XXXX. XXXX XXXX ) according to 15 U.S.C. 1681b PERMISSIBLE PURPOSES OF CONSUMER REPORTS they have broken several laws. 

Without my written consent as stated in section 605 A 15 U.S.C. 1681 C-1 that means ( IDENITY THEFT ) Also as stated in 605 A 15 U.S.C. 1681 C-2 IF notified that something is on my credit report that results in IDENTITY I Once again dont CONSENT and reporting inaccurate information on my credit report 2 collection one from XXXX XXXX with a past due balance of {$5200.00} the other from XXXX. XXXX XXXX with a past due balance of {$2400.00} XXXX XXXX XXXX past due balance of {$420.00} these accounts are reporting past due balances these are collections and 1 charge off collections should not have a past due balance This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliance reporting. 
standards. 
According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore, any information that is not true, accurate and verifiable is required to be removed. 
According to 15 u.s.c section 1681 e ( b ) Charge offs can not be reported for a charge-off is considered canceled debt. ordinary income ( 1099c ) this company has filled this on their taxes but reporting it as debt this has to be delete immediately and its reporting inaccurately this charge off is reporting PAST DUE how is this? 

( i have attached pictures of these account showing past due ) According to law UNITED STATES CODE LAW 15 U.S.C 1681 a.1.a You violated The United States code law 15 U.S.C 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. which means any account that Im disputing must come off my credit regardless for whatever reason must be deleted off my credit report.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be Verified with proof ( my signature on the debt ) or deleted 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