Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Florida XXXX XX/XX/XXXX CFO ( Chief Financial Officer ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Notice to agent is notice to principal notice to principal is notice to agent XXXX XXXX XXXX furnishes inaccurate and incorrect information to the consumer reporting agencies. 

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 house purposes. 
You and your inaccurate reporting have damaged my livelihood. 
15 USC 1681 s-2 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 : the action of forbidding something, especially by law As defined by the IRS : Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.

The IRS clearly defines the 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 says a Cancelled or Charge is Income. The reporting of this account as a debt is inaccurate 15 USC 1681s-2 says you XXXX XXXX XXXX are a furnisher of information to a consumer reporting agency. 

YOU ARE PROHIBITED BY LAW TO FURNISH INACCURATE INFORMATION. I DEMAND YOU CEASE AND DESIST THE REPORTING OF INCORRECT/INACCURATE INFORMATION IMMEDIATELY. 

15 USC 1681 s-2 ( a ) ( 1 ) ( 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.

You are at this moment put on NOTICE that you are furnishing incorrect and inaccurate information.

The lender must file Form 1099-C 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 , federal government agency, or other applicable entity, as discussed in Chapter 1.

The above paragraph is taken directly from the IRS 2022 Publication SEND ME MY FORM 1099-C you should have sent it to me when you filed this as a CANCELLED DEBT.

My address is listed below.

15 U.S. Code 1681s2 ( A ) Reporting information with actual knowledge of errors ( 1 ) Prohibition ( B ) Reporting information after notice and confirmation of errors- A person 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 been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate.

The continued reporting of this inaccurate information is a clear violation of law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to cure and DELETE This Erroneous, Inaccurate account from my consumer report. 

You have XXXX calendar days to DELETE THIS ACCOUNT FROM MY CONSUMER REPORT. 
Account Name : XXXX XXXX XXXX Account number : XXXX Account Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Copy of my Drivers license ( attached ) Copy of Utility bill/bank statement to show proof of address ( attached )

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