Consumer complaint received 2022-07-14
Company: Experian Information Solutions Inc.
State: TN
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:
in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 ( a ) ( 2 ) ( 1 ) also states that a consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. These late payment and payment history would be considered experiences which is clearly a violation of my right. I have not given any written consent to put anything on my consumer report the law also states that the information got to be 100 percent accurate. This account was just verified which means its 100 percent accurate, but how when the credit bureaus ( XXXX, XXXX, Experian ) all have different account information. The account number is not the same it does not have the same number of numbers. The payment history is not the same, the balance on the account is not the same. The monthly payments are not the same, and the highest balance is not the same. I again ask how this information has been verified while being incorrect. Then the account is being label as a charge-off on my consumer report but how when the IRS states a cancelled debt or a charge-off is taxable income. If they have closed and cancel the debt and filed as income on their end and me to then how can it be income and debt at the same time which again proves this information is inaccurate. I have detailed 8 violations per say the law. The reporting of such inaccurate information has caused severe damages 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. YOU ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately. YOU ARE HEREBY PUT ON NOTICE that you are furnishing inaccurate information 15 U.S.C 1681 ( s ) ( 2 ) ( 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.

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