Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I only have one name which is : XXXX XXXX XXXX Name ID # XXXX and or XXXX XXXX XXXX ID # XXXX ALL THE OTHER NAMES ARE INCORRECT!! 
Please remove name XXXX # XXXX, # XXXX, # XXXX Remove Spouse or co-Applicate XXXX According to Experian Its illegal to report income on a consumer report, but the accounts listed below are income since they were charged off. According an article made by YOU ( EXPERIAN ) at https : //www.experian.com/blogs/ask-experian/does-a-credit-report-show-income/, it states that Income is not part of your credit report, So if you say this, why is this on my consumer report? 


XXXX XXXX ( acct # XXXX ), XXXX XXXX XXXX XXXX XXXX ( acct # XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX BANK XXXX XXXX XXXXXXXX XXXX  ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXXXXXX XXXX ( XXXX ), ( XXXX ), are all in violation of multiple laws set forth by Congress in regards to the following accounts ( XXXX XXXX ( acct # XXXX ), XXXX XXXX XXXX XXXX XXXX ( acct # XXXX ), XXXX XXXX XXXX XXXX  ( XXXX ), XXXX XXXX ( XXXX ), XXXX BANK XXXX XXXX XXXXXXXX XXXX  ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), ( XXXX ). According to 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) it states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( s ) XXXX XXXX ( acct # XXXX ), XXXX XXXX XXXX XXXX XXXX ( acct # XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX BANK ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX  ( XXXX ), ( XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person XXXX XXXX XXXX acct # XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX BANK XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( XXXX ), ( XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The following companies XXXX XXXX ( acct # XXXX ), XXXX XXXX XXXX XXXX XXXX ( acct # XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXXXXXX XXXX ( XXXX ), XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX  ( XXXX ), ( XXXX ) can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. 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 reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX XXXX acct # XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX  ( XXXX ), XXXXXXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( XXXX ), ( XXXX ) for any of the cancelled debts in order to file as ordinary income. Where is my 1099-C from either XXXX XXXX XXXX acct # XXXX ), XXXX XXXX  XXXX XXXX XXXX XXXX acct # XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXXXXXX XXXX  ( XXXX ), XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( XXXX ), ( XXXX ), is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! The follow companies XXXX XXXX ( acct # XXXX ), XXXX XXXX XXXX XXXX XXXX ( acct # XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX  ( XXXX ), XXXX BANK XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), ( XXXX ), have been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In all of the terms and conditions uploaded XXXX XXXX ( acct # XXXX ), XXXX XXXX XXXX XXXX XXXX ( acct # 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 ), they agreed not to share my information with non-affiliates. Experian is not an affiliate of XXXX XXXX ( acct # XXXX ), XXXX XXXX XXXX XXXX XXXX ( acct # XXXX ), XXXX XXXX XXXX XXXX  ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX  XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX ), ( XXXX ). The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) 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. XXXX XXXX ( acct # XXXX ), XXXX XXXX XXXX XXXX XXXX ( acct # XXXX ), XXXX XXXX XXXX I ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX  XXXX XXXX XXXXXXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX  ( XXXX ), ( XXXX ), must also refund the remaining balance of the consumer account upon its termination.