Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I DO NOT WANT TO RECEIVE ANOTHER PREPRINTED, SAME OLD LETTER AND ITEMIZED BILL, THAT I AM NOT REQUESTING... .IVE STATED THIS 3 TIMES ON THREE DIFFERENT OCCASIONS. 
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This account is in violation of the statute of limitations. A consumer account can only be charged off XXXX time, but XXXX XXXX XXXX XXXX has charged this account of XXXX different times. XXXX, XXXX, XXXX, XXXX, XXXX & XXXX of XXXX. ( violation ) ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ..... 
This account is being reported inaccurate because it is being reported as Open, Written Off and Charged Off. ( violation ) ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...... 
This account has a balance of {$1000.00} which is higher than the card balance, ( violation ) ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...... 
The address of XXXX XXXX XXXX, XXXX XXXX is not and has not been my address ( ever ), and the telephone number of XXXX and a XXXX is not my telephone number nor has been, yet you are giving me this account, this is inaccurate information reporting. ( violation ). 
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According to the IRS, a charged off debt are considered an income, 15 USC 1681 ( 2 ) ( a ) ( i ). Income is forbidden to be on a consumers credit report/file. The original credit, XXXX wrote the debt off on their taxes and received a profit ... ... ... ... ... ... ..... 
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FCRA Section 623, 15 USC 1681s-2, Responsibilities of Furnishers Info ... ...... 
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12 CFR 1006.34c, Notice For Validations Of Debt ... ...... 
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I am exercising my rights under the FDCPA to request the following information : 1. A Copy of The Purchase Assignment Agreement 2. Proof that XXXX XXXX is authorized to collect on behalf of the XXXX. 
3. Profit/Loss Statement of 1099c from XXXX XXXX. Documentation of all assignments showing the transfer of the debt from XXXX to XXXX XXXX. 
5. Proof that XXXX " securitized '' the debt. 
6. Documentation showing the assignments of the debt from XXXX to the Secured Trust and then back to XXXX ...... 
7. A contract between myself ( XXXX XXXX ) and XXXX XXXX that bears my signature wherein I agreed to pay XXXX XXXX ( & ) Reflex. 
8. The amount paid to purchase this debt from XXXX. 
9. The 1099c, since this debt has been charged off, written off. 
10. The authorized printed and signed signature of XXXX and XXXX XXXX. 
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I am demanding that XXXX XXXX " DO NOT '' send me a printed computer generated statement of a bill. I AM NOT requesting a bill statement. Please DO NOT SEND another bill statement from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation