Consumer complaint received 2023-01-31
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It XXXX Concern : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you are furnishing 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 household purposes. 

You and your inaccurate reporting have damaged my livelihood. 



XXXX. The information is inaccurate XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The information is inaccurate XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. The information is inaccurate XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The information is inaccurate XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The information is inaccurate XXXXXXXX XXXX  Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The information is inaccurate XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 



XXXX XXXX Code XXXX - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information XXXX ) 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 XXXX : correct in all details ; exact. 

XXXX : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form XXXX, you must report canceled debt as gross income on your tax return. 



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! 





By XXXX XXXX IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate. 

15 USC 1681 s-2 Says you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX are a furnisher of information to a consumer reporting agency. 

You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately. 

XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( 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 hereby put on NOTICE that you are furnishing incorrect inaccurate information. 



The lender must file Form XXXX 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 XXXX federal government agency, or other applicable entity as discussed earlier in chapter XXXX. 

The above paragraph is taken directly from the IRS XXXX publication. 

SEND ME MY FORM XXXX that you should have sent when you Filled the account as a canceled debt. 

Further More The truth in Lending Act XXXX XXXX XXXX ( a ) Determination of the Finance charge Says This ( XXXX ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is an insurance built into the Finance Charge that protects the lender against the obligors default or other credit loss, How are you going to do aa Charge off when you collected the insurance money! Further more you have this account t listed as a charge off well a charge off is a XXXX XXXX, which means not only did you collect on the insurance money you also got a XXXX deduction! 

You further went on to sell this alleged debt to a debt collector and or debt buyer you have gotten paid 3 times on this alleged debt not to mention insurance and tax fraud. Yet you are calling my phone repeated which I have proof and sending me daunting letters both you and your agent collections company! 

I am filing complaints with the CFPB, IRS, XXXX, OCC and State attorney Generals office both in my state and yours! 

You picked the wrong one! Because XXXX XXXX XXXX XXXX XXXX XXXXSEND ME MY FORM XXXX My address is Below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX Code XXXX ( a ) Duty of furnishers of information to provide accurate information XXXX ) 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 the XXXX XXXX XXXX XXXX XXXX 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 XXXX report. 





YOU HAVE XXXX Calendar days to DELETE THIS ACOOUNT FROM MY CONSUMER REPORTS!

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