Consumer complaint received 2024-02-25 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: LA

Complaint narrative:
I received a copy of my credit report and found the following items to be reported in error I requested the bureaus to do an investigation on the accounts below for accuracy accounts came back verified I do not believe an investigation was done because its no way the accounts would come back verified as accurate due to the large discrepancies and information mismatch highlighted in the attached documents. This is the final request for account deletion my privacy has been violated this is direct violation of my consumer rights as outline by the FCRA I will be requesting {$1000.00} in damages due to failure of investigation please re-investigate and remove these accounts!! The account below is reporting multiple c/o which is re-aging my account monthly this is defamation of my character. How am I repaying income that I have already paid taxes on?? This is not a disputable debt please remove it from my consumer reports this is a violation of my rights as outline by the FCRA. 
ACCOUNT ; Creditor : XXXX XXXX Account Number # XXXX In Accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. I demand you to CEASE and DESIST the reporting of incorrect/in accurate information immediately.15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I kindly request that the inaccurate account entries be promptly investigated and removed in accordance with the FCRA, FDCPA , and all relevant consumer protection laws.You have not followed 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) 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. You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 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. 
Duty : a moral or legal obligation ; a responsibility. 
Accurate : correct in all details ; exact Prohibition : a law or regulation forbidding something. 
You have caused me and my family severe harm due to your negligence and INACCURATE reporting. This is a final opportunity to Cure and DELETE this Erroneous, inaccurate account from my Consumer report. 
This is the final request for account deletion my privacy has been violated this is direct violation of my consumer rights as outline by the FCRA. Failure to follow reasonable procedures to assure maximum possible accuracy of my information as a consumer is NEGLIGENT and causing emotional distress and humiliation. 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 your reporting of this account inaccurate! 
By Definition The IRS clearly says a Canceled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. 
15 U.S. Code 1681s2 Says you are a furnisher of information to a consumer reporting agency. 
You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to CEASE and DESIST the reporting of incorrect/in accurate information immediately. 
AGAIN THERE ARE LARGE DISCREPANCIES ALL OVER THESE ACCOUNTS LISTED AS HIGHLIGHTED AND ATTACHED YOU ARE CONTINUING TO VIOLATE 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) BY FURNISHING THESE INACCURATE ACCOUNTS. I HAVE BOUGHT IT TO THE CREDITORS ATTENTION AND THE CONSUMER REPORTING AGENCIES THIS IS MY FINAL WARNING!!

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