Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

Dear CFPB, I am writing to file a formal complaint against Experian and the furnishers of the account listed below which are in question for their persistent failure to remove inaccuracies from my consumer report such as continuous reporting of inaccurate information, including but not limited to charged off accounts, collection accounts, incorrect names, incorrect addresses, inaccurate amounts owed,, and unauthorized utilization of nonpublic information which is in violation of the Fair Credit Reporting Act ( FCRA ) and the Privacy act of 1974 and associated regulations. Despite multiple attempts to rectify the inaccuracies Experian has continuously reported false information, thereby causing significant harm to my financial standing and reputation. I would like to draw attention to evidence from the Internal Revenue Service ( IRS )  and the United States Code ( USC ) Law website, which states that a charge-off is considered a discharge of indebtedness which is classified as income by the IRS and my income should not be reported on my consumer report. This evidence directly supports my claims regarding the inaccuracies in my report and underscores the urgency of rectifying the situation promptly. Under the Fair Credit Reporting Act ( FCRA ), only information pertinent to creditworthiness and financial behavior may be included in consumer credit reports. The inclusion of these discharges of indebtedness inaccurately portrays my creditworthiness and financial responsibility, as it does not reflect ongoing obligations but rather a past event that has been resolved. In accordance with the Fair Credit Reporting Act, under 15 U.S.C 1681s it states I have the right to privacy and these creditors have violated my rights. 15 U.S.C s-604 ( a ) also states a consumer reporting agency can not furnish an account without my written instructions. Also, the Privacy Act of 1974 states that no agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Can you provide written proof with my signature that gave you permission to furnish this inaccurate information? Experian violated specific provisions of the FCRA, including but not limited to : Failure to provide accurate information in consumer reports ( 15 USC 1681e ( b ). The U.S Congress makes the following findings : ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' I have the right to protect my personal information and make sure it isnt shared, supported by XXXX5 USC 6801 " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Also Collection Accounts which stem from charge offs are in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate enforcement action against these Credit Reporting Agencies for their repeated violations of the FCRA, and Privacy act of 1974. Allowing these accounts to remain inaccurately on my credit report constitutes collusion with financial institutions to use extortionary means against me, as outlined in 18 U.S. Code 894, by reporting harmful inaccurate information that directly affects my creditworthiness. The unlawful adverse information on my credit report is preventing me from obtaining necessities in life causing great stress, loss of enjoyment, and Experian is violating my consumer rights.