Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. regarding serious discrepancies in the reporting of my account ( Account XXXX : XXXX ) to the credit bureaus. This complaint is in accordance with the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), Equal Credit Opportunity Act ( ECOA ), Gramm-Leach-Bliley Act ( GLBA ), and other relevant laws. 

**Discrepancies in Violation of FDCPA : ** 1. **15 U.S.Code 1692b ( 1 ) : ** Request for clarification on the charge-off date discrepancy mentioned in XXXX  's response. 
2. **15 U.S.Code 1692e ( 10 ) : ** Discrepancies in the reporting of charge-off date violate the prohibition against false or misleading representations.

**Dispute Handling and Reporting Violations : ** 3. **15 U.S.Code 1681i ( 7 ) : ** Request for specific details regarding the information provided to credit bureaus during disputes.

4. **15 U.S.Code 1681s-2 ( 7 ) ( A ) ( i ) : ** Violation of the duty to investigate and correct inaccurate information.

5. **15 U.S.Code 1681s-2 ( 7 ) ( E ) : ** Failure to provide a comprehensive response to disputes within a reasonable timeframe. 

**TILA Violations : ** 6. **15 U.S.Code 1635 ( f ) : ** Request for documentation regarding the terms and conditions of the debt in accordance with TILA.

**FCRA Violations : ** 7. **15 U.S.Code 1681e ( a ) : ** Failure to provide accurate information to credit reporting agencies.

8. **15 U.S.Code 1681g : ** Request for a detailed breakdown of the debt, including charges, fees, and interest.

9. **15 U.S.Code 1681i ( a ) ( 1 ) : ** Violation of the duty to conduct a reasonable investigation into disputed information.

10. **15 U.S.Code 1681n ( a ) ( 1 ) ( A ) : ** Willful noncompliance with FCRA reporting obligations. 

**ECOA Violations : ** 11. **15 U.S.Code 1691 : ** Seeking an investigation into any discriminatory practices related to the handling of my account.

**GLBA Violations : ** 12. **15 U.S. Code 6801 : ** Seeking clarification on the sharing of nonpublic personal information.

**General Violations : ** 13. **28 U.S. Code 3002 ( 1 ) ( B ) : ** Ensuring that the entities involved comply with applicable laws.

14. **31 U.S. Code 3718 : ** Compliance with debt collection laws and regulations.

15. **16 C.F.R. 433.1 ( b ) : ** Compliance with the Cooling-Off Rule.

16. **12 C.F.R. 1026.13 ( d ) ( 1 ) : ** Request for clarity on any potential violations of the Mortgage Servicing Rule.

This formal complaint is a request for a thorough investigation into the mentioned discrepancies and violations. I kindly request your assistance in rectifying these issues and ensuring that the entities involved comply with federal laws and regulations. Per the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income.

Income can not be reported per the IRS publication.