Consumer complaint received 2022-08-15
Company: Experian Information Solutions Inc.
State: OH
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:
I have disputed these items multiple times on my credit report for inaccurate information that the credit reporting agency is reporting on my credit report. They have refused to remove these items and correct my credit report. They have violated my rights and have not been compliant with the FCRA or the FDCPA. I have the following accounts reporting on my account as charged off which means this is canceled debt. The IRS defines charge off as ordinary income and filed a 1099-C. This should be removed immediately due to it's considered ordinary income so how can it be reported on my credit report as debt which makes it inaccurate? The creditors are supposed to send me a 1099-c to file as income on my taxes but nothing has been received if this is my debt. This is a violation of 15 U.S. Code 1681e ( b ). Please see the following accounts that are inaccurate and have violated my rights. These accounts also have other inaccuracies and are listed below and will need to be removed immediately. The time for updating is over and I demand that they are deleted immediately. 

Account Name : XXXX XXXX Account Number : XXXX -Date opened different -Account Status Different -Balance Different -High Credit Different -Credit Limit Different -Reporting past due but listed as Collection/Chargeoff -Payment Status Different -last reported different -Last Date active different Account Name : XXXX XXXX  Account Number : XXXX -Date opened different -High Credit Different -Reporting past due but listed as Collection/Chargeoff -Payment Status Different -Last Date active different Account Name : XXXX Account Number : XXXX -Open date different -High Credit Different -Last reported different -Last Date active different Account Name : XXXX Account Number : XXXX -Open date different -High Credit Different -Last Date active different Account Name : XXXX  Account Number : XXXX -Open date different -High Credit Different -Last reported different -Last Date active different -Date of last payment different These accounts below have also been disputed and are violating my rights and the time for updating is over and I demand that they are deleted immediately. The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately do so TODAY, even right NOW! I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with a PERMENANT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations. 
But can you please answer this one question. How did you investigate these accounts? Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you are supposed to investigate my consumer report. 
Did you interview my neighbors? 
Did you interview my friends? 
Who did you talk to? 
One more thing, can you please tell me how everything is accurate since these accounts date open, date last active are not reporting the same information. 

The obvious infractions are as follows : Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX -Account Status Different -Open date different -Payment Status different -Last reported different -Last Date active different -Date of last payment different Account Name : XXXX Account Number : XXXX -Open date different -Payment Status different -Last reported different -Last Date active different -Date of last payment different Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX -Date opened incorrect -High credit reporting differently -Last reported different -Date last active different Account Name : XXXX XXXX Account Number : XXXX -Date opened different -Reporting past due but listed as collection/chargeoff -Monthly payment different -Last Date active different Account Name : XXXX  Account Number : XXXX -Date opened different -Account Status Different -last reported different -Last Date active different Account Name : XXXX XXXX Account Number : XXXX -Date opened different -Account Status Different -Balance Different -High Credit Different -Credit Limit Different -Reporting past due but listed as Collection/Chargeoff -Payment Status Different -last reported different -Last Date active different Account Name : XXXX XXXX Account Number : XXXX -Date opened different -High Credit Different -Reporting past due but listed as Collection/Chargeoff -Payment Status Different -Last Date active different Account Name : XXXX  Account Number : XXXX -Date opened different -Account Status different -No. of months ( term ) different -Payment Status different -Last Date active different Account Name XXXX XXXX XXXX XXXX Account Number : XXXX -Account Status different -Balance Different -High Credit Different -Credit limit different -Reporting past due but listed as Collection/Chargeoff -No. of months ( term ) different -Payment Status different -Last reported different -Last Date active different -Date of last payment different Account Name : XXXX XXXX  Account Number : XXXX -Account Status different ( showing open account but also showing collection and past due ) -Reporting past due but listed as Collection/Chargeoff -Payment Status incorrect Account Name : XXXX XXXX  Account Number : XXXX -Last reported different -Last Date active different -Date open different Account Name : XXXX  Account Number : XXXX -Account Status Different -Open date different -Balance Different -High Credit Different -Credit limit different -Past Due different -Reporting past due but listed as Collection/Chargeoff -Payment Status different -Last reported different -Last Date active different -Date of last payment different Account Name : XXXX Account Number : XXXX -Account Status Different -Open date different -Reporting past due but listed as Collection/Chargeoff -Last Date active different Account Name : XXXX Account Number : XXXX -Reporting past due but listed as Collection/Chargeoff Account Name : XXXX  Account Number : XXXX -Account showing paid but late 30 days Account Name : XXXX XXXX  Account Number : XXXX -Open date different -Monthly Payment different -Balance different -Last reported different -Last Date active different -Date of Last payment -Account has been Paid in full Account Name : Bankruptcy Reference Number : XXXX -Investigation stated that was verified through courts ( letter attached states they do not verify with any credit reporting agencies ) -Reference numbers reporting different -Court name different I received my investigation back and you stated you completed a fair investigation and these accounts are 100 % accurate. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA-you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with a PERMENANT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations. 
But can you please answer this one question. How did you investigate these accounts? Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you are supposed to investigate my consumer report. 
Did you interview my neighbors? 
Did you interview my friends? 
Who did you talk to? 
One more thing, can you please tell me how everything is accurate since these accounts date open, date last active are not reporting the same information.

You have violated multiple laws below : 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i 15 U.S. Code 1681b ( 2 ) 15 U.S. Code 1681c2 15 U.S. Code 1681a ( 2 ) ( a ) ( i ).

15 U.S. Code 1681s ( a ) ( 1 ) ( a ) 15 U.S. Code 1681s-2 ( A ) ( B ) ( i ) ( ii ) 15 U.S. Code 1681s-2 ( A ) ( 7 ) ( a ) ( i ) Violation of the Fair Credit Reporting Act ( F.C.R.A ) Violation of the F.D.C.P.A.

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 non-monetary relief