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 status incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
To : XXXX This failure to comply with the FCRA, despite having been notified, constitutes willful noncompliance as outlined under 15 USC 1681n .

////////////////////////////////////////////////////////////////////////////////////////////// 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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  wrote the debts 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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This account is showing Charged Off, Opened and Past Due, with a High Balance higher than the actual card balance ..... The New Owner of this debt has not contract with me for payment therefore I am requesting information ; I've constantly asked but I continue to get the same preprinted letter in the mail. Please don't send me another preprinted letter stating the same exact message ; I'm requesting the following information ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... 
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All three credit agencies are reporting inaccurate different information, whereas all three reporting paid agencies, should be reporting the same information, therefore since they are not, this is inaccurate and must be deleted from my credit files. 
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I am exercising my rights under the FDCPA to request the following information : 1. The Purchase Assignment Agreement 2. A Letter stating XXXX XXXX XXXX XXXX XXXX XXXX XXXX is authorized to collect on behalf of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
3. Profit/Loss Statement of 1099c for each creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4 . Documentation of all assignments showing the transfer of the debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
5. Proof that XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX securitized '' the debt. 
6. Documentation showing the assignments of the debt from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to the Secured Trust and then back to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. 
7. A contract between myself ( XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX that bears my signature wherein I agreed to pay XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX. A letter stating The amount paid to purchase this debts from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
9. The 1099c, since this debt has been charged off, written off.

10. A Copy of The authorized printed and signed signatures of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
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I am demanding that XXXX XXXX XXXX XXXX XXXX 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 TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, please don't.

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