Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: FL
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:
While checking my credit profile I noticed, Experian, XXXX and XXXX is continuing to report information that they are unable to verify, they are using Hearsay evidence for alleged debt that I am said to have owe. Experian and XXXX is invading my privacy and this is deformation of my character with the negative reporting on my consumer report. I have sent the several letter requesting that they provide me the methods that were to used to investigate the information on my credit profile, they have not provide the requested information. As this is federal consumer law per XXXX15 U.S.Code 1681g 15 USC 1681g -1681g - Request for a full file disclosure and the sources of its Per 15 USC 1681 : Section 603 ( 3 ) ( E ), this is a requirement. I will also attach the letters that were sent to Experian and the accounts that were requested to be deleted. It's also a consumer law that all credit reporting companies must all work together to have the same information reporting on a consumer report. 




During further research I also found that Experian, XXXX and XXXX are reporting income on my credit report. Per IRS Publication 4681, Canceled Debts, Foreclosures, Repossessions, and Abandonments, Generally, if a debt for which you are personally liable is forgiven or discharged for less than the full amount owed, the debt is considered canceled in whatever amount it remained unpaid. Once the companies listed below charged off these accounts, certificate of indebtedness and the company filed a 1099C with the IRS, that is now considered income, income can not be reported on my credit report. These accounts listed below were charged off. This is a an violation of the 1974 Privacy Act, these companies listed below violated me within the scope of the privacy act and their terms and conditions. Which states they will not share your information with non- affiliates, Experian XXXX XXXX and XXXX XXXX non- affiliates. Which these companies violated their own terms and conditions and my Privacy Act. 

-These acct is supposed to be reporting paid in full. According to the 2010 Fact Act rule, weather an account has been paid less than the original amount that account has to be listed as paid in full and paid as agreed. Please update this account. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX While checking my credit report I also found that I have been violated, I have found late payments reporting no my credit report based on the laws Im a consumer, you can not report these negative remarks on my credit profile according to 15 USC 1681a ( 2 ) exclusions, ( i ) A consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. This is hurting my report, this is causing me to be denied credit. I demand these account be updated to current for all dates, months and years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FURTHERMORE, I conditionally Accept Experian, XXXX and XXXX offer upon proof of your claim that state law 15 USC 1602L AND 15 USC 1692a ( 4 ) states all bills are already pre-paid/paid in full. Please provide proof that these alleged debt were not paid in full when my Social Security number my credit card was used.

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