Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: TX
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:
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. 
( 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. 

Experian you have been put on NOTICE that you are furnisher inaccurate information on these accounts. 

XXXX Account Number : XXXX you are describing this account type as a loan when in fact the alleged agreement is known by it governing laws as a credit sale. There is no loan agreement in place. No goods or money have been " Loaned '' to the alleged debtor. It is a violation of the FCRA to knowingly furnish or report false information. Please delete this item. 

XXXX Account Number : XXXX this alleged account has clearly been accelerated under the definitions and laws that govern this transaction. The payment amount is obsolete and should be listed as {$0.00}. It is a violation of the FCRA to knowingly furnish or report false information. Please delete this item. 

XXXX XXXX Account Number : XXXX The IRS Clearly defines a 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. It is a violation of the FCRA to knowingly furnish or report false information. 

XXXX XXXX Account Number : XXXXAccording to the Consumer Financial Protection Bureau 's ( CFPB ) legal guidelines outlined in CFR part 1006.30, you are required to make contact with me either in person or by telephone or send a written notification about the alleged debt via mail or electronic message and wait a reasonable period of time to receive a notice of undeliverability before reporting the debt to a consumer reporting agency. 
I have not received any such communication from them. I was not given the opportunity to validate or dispute this debt before it was reported, which is a clear violation of FDCPA 1006.30 ( a ). The IRS Clearly defines a 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. It is a violation of the FCRA to knowingly furnish or report false information. the allege debt was charged off and was sent to a 3rd party collection agency. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB.

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