Consumer complaint received 2024-01-26
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. (FL)

Experian XXXX XXXX XXXX XXXX, TX XXXX ATTN : FRAUDULANT DEPARTMENT AGENCY RE-INVESTIGATION *THIS IS A SECOND ATTEMPT TO RECTIFY THIS ISSUE, YOU ARE NOW 30 PASTED DUE ONTHE REMOVAL OF THE FOLLOWING DISPUTED INFORMATION* The Fraudulent items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and blocked/deleted for good. These inaccuracies due to identity theft are highly injurious to my consumer credit report. There is information on my consumer credit report that are a result of identity theft. I did not give authorized written permission or instructions for the identified purchases to be reported on to my consumer report. I am requesting that the publishing of this informational data be blocked and deleted. The Identified transactions are not related to any grand action or transaction by me as the consumer. 

ACCOUNTS/ACCOUNT NUMBER ACCOUNT AMOUNT DATE OPENED 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 Furthermore, in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer-generated confirmation. 
Please provide : 1. The names and business addresses of everyone with whom you verified the information with above, so that I may follow up. 
2. The date you contacted the individual furnishers of information. 
3. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
As you are aware, the Fair Credit Reporting Act ( FCRA ), 15 USC 1666b, requires that credit reporting agencies to follow reasonable procedures. To ensure that the information in a consumer credit report is accurate. It also gives consumers the right to dispute inaccurate information and requires credit reporting agencies to investigate and correct or remove inaccurate information. 
Also, the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 subsection C-2 Blocking of information resulting from identity theft. 
In addition to the FCRA, I believe that you may be violating the following federal laws : 1. The Equal Credit Opportunity Act ( ECOA ), 15 USC 1691 et seq., which prohibits discrimination in credit transactions based on race, XXXX, religion, national origin, XXXX, marital status, age, or receipt of public assistance. 
2. The Truth in Lending Act ( TILA ), 15 USC 1601 et seq., which requires lenders to disclose the terms and costs of credit to consumers. 
3. The Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et seq., which prohibits debt collectors from using abusive, deceptive, or unfair practices in collecting debts. 
4. Internal Revenue Code ( IRC ) Section 6050P et seq., which states a charge-off account must be reported it as income by the creditor ( income of a creditor can not simultaneously be furnished as debt of a consumer ) By reporting the charge-off account on my consumer report without also reporting it as income on Form 1099C, you are violating federal tax law and potentially causing me to underreport my income to the IRS. 
Therefore, I request that you correct the information in my credit report to reflect the accurate status by deleting the charge-off account, including any reporting of the cancelled debt as income on Form 1099C. If you have not already done so, I also request that you provide me with a copy of Form 1099C for the cancelled debt. 
XXXX you are required to do what I am asking and block these purchases from being reported to my consumer report within 4 days from the date of receipt of this notice. I look forward to your response.