Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Yes, credit bureaus do not report taxable income to credit bureaus : IRS doesn't report to credit bureaus The IRS does not report tax-related information or income to credit bureaus. 

Credit bureaus stopped collecting salary information Credit bureaus stopped collecting salary information over XXXX  years ago because it was often inaccurate and self-reported. 
Credit reports don't include income Credit reports do not include income, bank account balances, or investment account balances. 

The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates how credit reporting agencies can collect, use, access, and share consumer credit bureau data. 
Credit Bureaus states that they do not report Taxable income. There are multiple accounts that has been reporting as Charge off. The companies that are reporting is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This has multiple violations. Partaking in such matter with these 18 US Code 894. 18 U.S. Code 894- Collection of extensions of credit by extortionate means U.S. Code Notes ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the non-repayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.

( b ) In any prosecution under this section, for the purpose of showing an implicit threat as a means of collection, evidence may be introduced tending to show that one or more extensions of credit by the creditor were, to the knowledge of the person against whom the implicit threat was alleged to have been made, collected or attempted to be collected by extortionate means or that the non-repayment thereof was punished by extortionate means.

( c ) In any prosecution under this section, if evidence has been introduced tending to show the existence, at the time the extension of credit in question was made, of the circumstances described in section 892 ( b ) ( 1 ) or the circumstances described in section 892 ( b ) ( 2 ), and direct evidence of the actual belief of the debtor as to the creditors collection practices is not available, then for the purpose of showing that words or other means of communication, shown to have been employed as a means of collection, in fact carried an express or implicit threat, the court may in its discretion allow evidence to be introduced tending to show the reputation of the defendant in any community of which the person against whom the alleged threat was made was a member at the time of the collection or attempt at collection. 
( Added Pub. XXXX XXXX, XXXX XXXX, XXXX ( a ), XX/XX/XXXX, XXXX XXXX. XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) ( L ), XXXX XXXX, XXXX, XXXX XXXX  XXXX. )

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