Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I am writing to reassert my dispute regarding the inaccurate reporting of three charge-offs and late payments on multiple accounts in my consumer reports, which I have previously contested on multiple occasions. The accounts in question are : CHARGE OFFS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my repeated notices, it seems that your agency insists on conspiring with these financial institutions in unlawful acts. I have requested that the accounts identified as CHARGE OFF are erroneously still reported on my consumer profile. According to the IRS, a Charge Off is considered canceled debt, and the accounts have been officially discharged, converting the debt into income and making it taxable income for myself. This should not be reflected in my consumer report. The late payments also remain on many of the accounts in my consumer report even though it is unlawful to do so according to Congress. Late payments are excluded from being reported on consumer reports. Are you conspiring with these financial institutions?

I have attached supporting documents as the recipient ( me ) of the 1099-C Form from the applicable financial entities, confirming that these debts have been discharged and paid in full. The IRS is aware, seeing how I am now liable for the taxes on these charge-offs. These accounts should not be negatively impacting my Consumer Report.

In fact, I demand that your agency exclude the Late Payments from my Consumer Report. Late payment is, by law, defined as a transactional history ; in this case, that would be my history with The Financial Institutions listed on my Consumer Report. Congress expressly prohibits the inclusion of transactions or experiences between the consumer and the reporting person in consumer reports.

Failure to respond satisfactorily with the deletion of the above Late Payments will result in legal action against your company, and I will seek {$1200.00} per violation for : 1. Character Defamation 2. Negligent Non-Compliance 3. Civil Obligation 4. Mental Suffering Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Your company clearly violates the law in accordance with 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term " consumer report '' does not include : ( 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 ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( Put the Creditor Name here ) making the report is NOT INCLUDED ON MY CONSUMER REPORT!

You have informed ME ( the Consumer ) that you the ( Reporting Agency ) are merely reporting what these ( listed above ) Institutions furnished you. To Express this, you clearly state that you agreed to conspire openly with their UNLAWFUL ACTIONS AND YOU are ALLOWING the Institutions to use your INFLUENCE to PUNISH AND EXTORT ME into paying additional funds and discouraging potential Financial Institutions and Organizations from extending credit to me and the inability to provide me an opportunity to OWN or RENT a PLACE of ABODE. I have PREVIOUSLY informed and CONTINUE to inform you and these Institutions listed and not listed directly and indirectly that I rescind all permission to disclose any of my information to any third parties or affiliates due to the lack of full disclosure provided to me! 
Addressing XXXX XXXX XXXX : I dont even know who this agency ( entity ) is. I have NO wet ink or electronic contract with said agencies. You ( Consumer Reporting Agency ) stated that a full investigation was carried out. Did XXXX XXXX XXXX provide you with a contract, an agreement between myself and the entity, or express if there is a statute of limitation on the debt that they are attempting or claiming to collect? How have YOU concluded that XXXX XXXX XXXX is to be reported on my Consumer Report? Please provide this information and provide the furnisher of said information. 
I demand that these accounts be deleted as discussed immediately upon receipt of this notice, as their continued presence is misleading and damaging to my financial reputation, and my well-being : both physically and mentally. You have committed an unlawful crime against me via 18 USC 894. I am now homeless due to these negative remarks in my consumer report. I am also requesting that all additional addresses be removed as they are now identified as un-mailable addresses except for XXXX XXXX XXXXXXXX, XXXX, NJ [ XXXX ]. My employment is with the XXXX XXXX XXXX XXXX and there should be no other form of employment or mailing address listed. I am requesting a comprehensive disclosure of the investigation conducted by your agencies, including details of the information furnished and the identities of the furnishers since my initial dispute dated XX/XX/23. 

Your prompt attention to this matter is not just anticipated but required, as the ongoing inaccuracies in my Consumer Report are causing significant financial and personal distress. I expect written confirmation of the removal of these accounts and the investigation findings within 10 days of this correspondence. 

Thank you for your immediate attention to this critical matter. I trust that you will rectify this situation promptly and uphold the standards of accuracy and fairness as mandated by the Fair Credit Reporting Act. 

I have filed an FTC complaint against these companies and will move forward to do the same with the following CONSUMER REPORTING AGENCIES IF THE CONSPIRE WITH SAID FINANCIAL INSTITUTIONS. EXPERIAN, XXXX XXXX, & XXXX I WOULD GO AS FAR UP AS TO THE SECURITY EXCHANGE IF NECESSARY TO FILE A COMPLAINT!