Consumer complaint received 2024-09-10 00:00:00
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.
State: UT

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT. XXXX XXXX YOU ARE FURNISHING INACCURATE INFORMATION TO THE CONSUMER REPORTING AGENCIES. The Reporting of this Account as a Debt is Inaccurate as The Legal Definition per the IRS OF a Charge off is Income. Income does not get Reported on a consumer report. 
XXXX XXXX XXXX XXXX  XXXX XXXX U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( 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. The Reporting of this Account as a Debt is Inaccurate. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 
THE LEGAL DEFINITION PER THE IRS DEFINES A CHARGE OFF AS INCOME. INCOME DOES NOT GET REPORTED ON A CONSUMER REPORT. XXXX XXXX CONTINUES TO VIOLATE MY RIGHTS BY REPORTING GROSS INCOME AND ORDINARY INCOME ON THE CONSUMER REPORTING AGENCIES BREAKING THE LAW. THIS ACCOUNT IS A " CHARGED OFF '' THE LEGAL DEFINITION PER THE IRS DEFINES A CHARGE OFF AS INCOME. THE REPORTING OF THIS ACCOUNT AS A DEBT IS INACCURATE. THE IRS STATES CLEARLY THAT ANY GROSS INCOME OR ORDINARY INCOME CAN NOT BE REPORTED INTO A REPORT BY ANY FURNISHER OR CREDIT REPORTING AGENCY.A CHARGE OFF IS GROSS INCOME PER THE IRS. DELETE THESE ACCOUNTS MENTIONED IN THE COMPLAINT ASAP AND I'M REQUESTING {$1000.00} PER EACH VIOLATION. XXXX XXXX Continues to Violate multiple laws from Congress 15 U.S. Code 1681a ( 2 ) ( a ) ( i ). CHARGED OFF is considered a certificate of indebtedness per the IRS and income can not be reported making The Reporting of this Account as a Debt is Inaccurate. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORTS BY LAW AND By Definition PER the IRS Clearly says a Cancelled debt or Charge off is Income. ADDITIONALLY THE LAW CLEARLY STATES Code 1681a ( 2 ) ( a ) ( i ) 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 ( XXXX  XXXX, ) making the report. ADDITIONALLY I never received a 1099-C FROM for the cancelled debt. XXXX XXXX is writing off debt with the IRS years Ago WITHOUT sending out 1099-C as required by the IRS for debts greater than {$600.00}. This is ILLEGAL. You are hereby put on notice that you are reporting incorrect inaccurate INFORMATION. DELETE THIS AND ALL ACCOUNTS WITH THE NAME XXXX XXXX FROM ALL CONSUMER REPORTS Including account XXXX balance XXXX CHARGED OFF

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