Consumer complaint received 2024-08-08 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: OH

Complaint narrative:
I was taken advantage of due to malpractice while your company broke several laws under the Fair Credit Reporting Act. I recently did an investigation on my credit report and I found invalidated, inaccurate, unverifiable, and questionable items that your company is reporting. Your agency is not reporting 100 % correct information. Under 15 U.S code 1681e ( b ) ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual to whom the report relates. For the past two months Ive tried to settle this issue with your company via mail however, I have reasonable evidence that your company is only trying to make times harder on me at the moment by not following reasonable procedures to ensure maximum possible accuracy. 15 U.S.C 1681b ( 2 ) Permissible purposes of consumer reports also validate that anything reporting on my credit report that I did not consent to is fraud. I did not give written or oral consent to any company listed below to disclose any of my nonpublic personal information. As of XX/XX/XXXX, Ive notified each company ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, and XXXX XXXX ) that I am using my right to opt out of their reporting on my credit report. I have a right to privacy and per the Privacy Act of 1974 as a federally protected consumer, I am now revoking any and all authorization I the consumer may have given you written, non-written, verbal, and non-verbal per 5 U.S. code 552a. Per the FCRA as a federally protected I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and non-verbal per 15 USC 6802. I shall also point out their responsibility pursuant to 15 USC section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) 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. Your agency along with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, and XXXX XXXX is in violation of multiple laws set forth by Congress in regard to the following individual accounts of the consumer ( myself ). 15 USC 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge-off status ), between the consumer ( myself ) and the person ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX ) shall not furnish any information relating to a consumer ( me ) to any consumer reporting agency ( XXXX, XXXX, EXPERIAN ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX can not collect a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. 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 reporting of these accounts inaccurate! I provided a screenshot from the IRS website. By definition, the IRS clearly says a canceled debt or charge-off is income. The reporting of these debts is inaccurate. I received my 1099-C debtor copy in the mail from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. I provided screenshots of the XXXX borrower copies as well. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, and XXXX XXXX are writing off debt with the IRS as required by the IRS for debts greater than ( {$600.00} ) and the proof is in the borrower copies of 1099-C forms that Ive uploaded as evidence. This is unsatisfactory for these charge-off accounts to still be on my report! XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX have been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, and XXXX XXXX terms and conditions they agreed not to share my information with nonaffiliates. XXXX, XXXX, and EXPERIAN are not an affiliate of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, and XXXX XXXX nor are they bureaus. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. Pursuant to 15 U.S Code 6802 ( 1 ) ( c ) companies must not disclose any of my personal information unless I was given an explanation on how I can exercise a non-disclosure option, I am supposed to be notified of my eligibility to opt out every thirty days. 16 CFR 313.7 ( f ) states there is a continuing right to opt-out, and a consumer may exercise the right to opt out at any time. Ive never been notified that Im eligible to opt-out. This is a violation of 15 U.S. Code 6802- Obligations with respect to disclosure of personal information. Pursuant to 15 U.S Code 6801 ( a ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Pursuant to 15 U.S Code 6801 ( a ) nonpublic personal information means personally identifiable financial information provided by a consumer to a financial institution ; resulting from any transaction with the consumer or any service performed for the consumer.

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