Consumer complaint received 2024-04-01 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: NY

Complaint narrative:
Notice to Agent is notice to principal notice to principal is a notice to agent. 

I have disputed this account previously and it came back verified as accurate, which proves you have taken accountability. However, there is still violations associated with this account. I have attached evidence of the violations that you have claimed to have verified under the FCRA. This account can be argued in court as the FCRA Violations have impacted my life and damaged my reputation. I am also requesting for the procedure you took to investigate this account as stated in 15 U.S.C. 1681i. You are in VIOLATION of 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681 ( b ) Reasonable procedure This account is CLOSED, and should not reflect the status of " Charged OFF '' every month. You have a requirement for you to report this canceled debt to the IRS.

You have reported to the credit reporting agencies that this is a written-off debt. A 1099-C, being non-debt in nature, should not be reflected on my consumer report. By law, the IRS demands you to include the 1099-C in your gross income for tax purposes. Additionally, I have not yet received my required copy of Form 1099-C for the canceled debt, and am now requesting it. The IRS states, " After a debt is canceled, a creditor will send you a Form 1099-C, Cancellation of Debt showing the amount canceled and date of cancellation ''. This omission has led to inaccurate reporting of this income on my consumer report. I believe it is important to rectify this matter to ensure proper documentation and reporting.

Furthermore, your FCRA VIOLATIONS have substantially damaged my way of life, as Ive been denied credit. I must emphasize that you are now aware of the importance I place on the proper handling of my consumer report in accordance with the Fair Credit Reporting Act. I trust that you will fulfill your obligations under the law ( 15 U.S.C 1681s-2 ) and ensure the accuracy and integrity of my private credit information. 

Also, this account is inaccurate, from XXXX to XXXX the account should have been updated to " CLOSED '' and then charged off. This account is no longer open and the debt has been written off.. I have attached documentation for proof of incomplete payment history and inaccuracies below, in case evidence is needed in court or otherwise. I've counted 16 periods that report the status of " Charged off '' which is a violation, the account was never listed on the history as closed which is a major discrepancy. THIS ACCOUNT IS ABSOLUTELY VIOLATES THE FCRA. Therefore I am requesting this account be removed and blocked from my consumer report due to FCRA and IRS guidelines or we take this to court for remedies. Thank you for your attention to this matter 15 U.S Code 1681 s-2 ( 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.

15 U.S. Code 1681n - Civil liability for willful noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 


The account must be deleted immediately due to MULTIPLE FCRA AND IRS VIOLATIONS.

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