Consumer complaint received 2024-04-23
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)

I received a response from Experian that the accounts in questions that I dispute with them came back as accurate and is still being reported on my consumer report. Experian " DID NOT " send me any supporting documents to prove these accounts that they are reporting are accurate. I filed a UCC-11 to show I have no debt or lien under my name. Experian is inaccurately reporting these accounts and is causing me severe stress, anxiety, and discrediting my character XXXX XXXX XXXX XXXX # XXXX XXXX deleted this account cause this account is not accurate. All accounts have to be 100 % across all three credit agencies. How is Experian verifying this account as accurate. 

XXXX XXXX XXXX XXXX # XXXX Experian is reporting that the information has been certified by the Lender and is accurate. This account is a Charge off. Under the IRS rules Charge off 's are income whether they are forgiven OR discharged its one or the other. As it says on Experian 's website ( I will paste the link ) XXXX XXXX XXXX XXXX is not a factor in a consumer credit report. 

XXXX XXXX XXXX XXXX # XXXX This account is still being reported inaccuratly. There are XXXX accounts with the same account number that is being reporting on my consumer report. Only XXXX of the XXXX is being reported inaccurately. I will attach a copy of my consumer report highlighting this account. This account is also a charge off account that is income that shouldn't be reporting on my consumer report XXXX XXXX # XXXX This account is being reported inaccurately. I have never done anytime of business with this company. I do not have any type of contract or obligation to them. This account has not been verified. As it shows on my UCC-11 I have no debts or liens under my name.

Experian is failing to properly investigate these accounts showing proof that these accounts are accurate. All these account state that they meet the FCRA requirements but they are violating each one of these.

Experian is in violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( Reporting Transaction history is illegal ) 5 U.S. Code 1681c - Requirments relating to information contained in consumer reports.

( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. ( No adverse items besides the conviction of crimes should be on a consumer reports. ) 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 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. 
( XXXX has been put on notice of the inaccurate information and must immediately stop reporting that information until they can provide proof that it is valid. ) 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( ANYONE fails to comply is liable of no greater than {$1000.00} per violation. ) I will file a request based on GAAP ( Generally accepted accounting principles )