Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

After reviewing my credit report, I notice there are Fair Credit Reporting Act ( FCRA ) violations reflecting on my credit report due to the neglect of credit reporting agency. The accounts in question are : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX How is it that the company I did business with sold the debt to a debt buyer YET the company and the debt buyer ( XXXX XXXX ) are BOTH reporting the same account twice? I did not give any permission to a debt buyer to have any of my personal information or business relations. This has affected my debt-to-income ratio tremendously which has affected my creditworthiness and chances of approvals. This is a complete deceptive practices which is a violation of 16 CFR 424.1 Unfair or deceptive acts or practices. The law specifically states. In connection with the sale or offering for sale by retail food stores of food, grocery products or other merchandise to consumers in or affecting commerce as commerce is defined in section 4 of the Federal Trade Commission Act, 15 U.S.C. 44, it is an unfair or deceptive act or practice in violation of section 5 ( a ) ( 1 ) of the Federal Trade Commission Act, 15 U.S.C. 45 ( a ) ( 1 ), to offer any such products for sale at a stated price, by means of an advertisement disseminated in an area served by any stores which are covered by the advertisement, if those stores do not have the advertised products in stock and readily available to customers during the effective period of the advertisement, unless the advertisement clearly and adequately discloses that supplies of the advertised products are limited or the advertised products are available only at some outlets. 
Yall have to pick your poison. Legally ONLY one company can report this account YET both the debt buyer and the COMPANY who sold the debt are both reporting the same account. This is completely unfair to myself and my livelihood because due to this, I am unable to get approved for credit. Furthermore, I did not have a contractual relationship with this debt collection company. I am requesting that YOU, your credit reporting agency, provide me with proof that they are legally ALLOWED to have my account in their possession- let alone be reporting this inaccurately reporting account on my consumer report ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection. 
I repeatedly requested my credit file and submitted countless disputes due to these deceptive practices of reporting the same account twice- further affecting my debt-to-income ratio. XXXX XXXX charged this account off. A charge off is considered income pursuant to the IRS MANUAL AND IRS CODE and INCOME is not to be included in a credit file, consumer report or any other data broker or furnisher. I have never received " INCOME '' NOR HAVE I EVER RECIEVED A 1099C OR 1099B OR 1099A. I also don't have a signed valid contract with this party. Delete this account immediately. Relying on an unreliable furnisher makes your entity susceptible to liability for the injuries sustained by your acts and violations. Furthermore, the debt buyer is reporting COMPLETELY inaccurate information from what the original creditor is reporting. 

XXXX XXXX is reporting an account number with an inaccurate amount, Not only that, the transactional history to certain companies are confidential and are not to furnished. It is inaccurate not only for the sole reason of how can a balance and a monthly payment to be reported. No product or service was obtained or requested. Delete immediately or provide written authorization consenting. XXXX XXXX XXXX released my credit file without permissible purposes and violated the privacy act of 1974. XXXX XXXX  who is unrecognizable received my credit file and this is a violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports. Not only was that a direct blatant deceptive and misleading statement which is a violation of 15 U.S. Code 1692e - False or misleading representations. All account reviews, both XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are to be immediately deleted and access to this credit file bearing my persons personal protected information is to not be shared, sold or furnished without my authority or consent. is a direct violation of law as enacted by congress. I hold no contract with XXXX XXXX  nor have I transacted with this entity. 
This is a complete misleading and deceptive action and I have all rights to pursue ligation from these adverse action based on my consumer rights as a law abiding citizen. 
A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.

( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.

( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.

( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.

( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter.

( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.

( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.

( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.

( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

( 13 ) The false representation or implication that documents are legal process.

( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization.

( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer.

( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title. 
Both XXXX XXXX XXXX XXXX and XXXX XXXX XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 . 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 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) section states that no consumer reporting agency may make any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Delete these inquiries due to violation of 15 USC 1681b Permissible purposes of consumer reports. ( a ) In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings. l grand jury, or a subpoena issued in accordance with section 3486 of title 18. XXXX XXXX XXXX continue to violate NUMEROUS FCRA laws by continuing to violate my persons federally protected rights under 15 US code 1692e-15, US code 1692G 15 US code 1681B and 15 US code 1681C-2.the criminal activity they continue to commit by violating multiple FCRA laws and Fair Debt Collection Practices Act they continue to violate my federal rights under 15 US code 1692e ( 15, US code 1692G ) ( 15 US code 1681B ) and 15 US code 1681C- 2 have disputed this debt ; therefore, until validated the information concerning this debt is inaccurate and credit file is not 100 % accurate as pursuant to law. have not shown me any consumer contracts, ledgers, or payments of anything of any sort they have not did a clear, conspicuous investigation into any of the findings of the alleged debt XXXX is in VIOLATION 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley. XXXX XXXX XXXX has received identification copies, private letters, affidavits and now another CFPB complaint and FTC complaints. have not shown me any consumer contracts, ledgers, or payments of anything of any sort they have not did a ( clear, conspicuous investigation ) into any of the allegations of the alleged debt XXXX  are in VIOLATION 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley section 501, 502 and 504 failure to secure security and confidentialty of personal protected data, unauthorized sharing of non public personal data and non compliance with Federal regulation designed to enforce the act. I have been put at risk financially and mentally. have not shown me any consumer contracts, ledgers, or payments of anything of any sort they have not did a ( clear, conspicuous investigation ) into any of the allegations of the alleged debt are VIOLATION 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley. Attorney General of California XXXX XXXX. THEY HAVE RECEIVED copies of my identification copies of the CFPB complaint, FTC complaint.