Consumer complaint received 2024-06-29 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX You consumer reporting agency are furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. these inaccurate reporting have damaged my livelihood. 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( 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. 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 As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. I 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 Cancelled or Charge off is Income. The reporting of this account as a debt is inaccurate. 15 USC 1681 5-2 Says you consumer reporting agency are a furnisher of information. YOU ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately. 15 USC 1681 5-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reperting agensy, 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 5 1681s-2 ( ) DUTY oF FURNISHERS OF INFORMATION TO PROVIDE ACCURAIE 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 repertina the person has been notified by the consumer, at the address specified by the person, for such netices, that specific information is inaccurate ; and ( 8 Informatien is , in tact, Iaccurate. in conclusion I have shown you and you have been put en notice that you are reperting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate infoemation is a clear violation of the Law 15 USC 1681 9-2 of your respordibilities as a furnisher of information. 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.

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