Consumer complaint received 2024-10-03 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: FL

Complaint narrative:
This report is inaccurate as charge offs per IRS Publication 4681 Canceled Debts, Foreclosures, Repossessions, and abandonments are considered income. Income can not be reported as debt.

15 USC 6801 : It is ILLEGAL to report transaction history. My transaction history has been reported MANY times with XXXX. 

15 U.S. Code 6802 ( a ) - " Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. AFFIRM has sold my securities many times and otherwise provided my security/personal information to other companies such as XXXX XXXX XXXX who has contacted me over XXXX times via text message ( see attached images ) stating Contact XXXX XXXX XXXX regarding a matter with XXXX  XXXX XXXX XXXX is a collection agency... This is in direct violation of 15 U.S. Code 6802- ( a ).

15 U.S. Code 1681- Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The above established the inaccuracies with XXXX. 

The Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) - " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' EXPERIAN, XXXX XXXX XXXX are consumer reporting agencies, I am the consumer. As a consumer, I have a right to ensure my private information isnt shared. 

15 USC 1681 section 604 a section 2 states : In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX  playing the role of the financial institution, XXXX and Experian being the consumer reporting agencies ALL of which do NOT have my consent to furnish this information, and they most certainly do not have my WRITTEN consent. Any and all consent to XXXX, Experian and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

5 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agency ( EXPERIAN, XXXX XXXX XXXX ) may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item EXPERIAN, XXXX XXXX XXXX are reporting again without my permission, which is again against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A says : " 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 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Because of this, EXPERIAN, XXXX XXXX XXXX do not utilize/maintain reasonable procedures. 

Lastly, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

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