Consumer complaint received 2024-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have disputed these accounts for the past year and I now the proof needed to show Experian has not followed correct compliance and procedures In accordance with the Fair Credit Reporting act. After receiving my reinvestigation and account verified letters back in XXXX and XX/XX/XXXX, I strategically put together all of the inaccurate and incomplete data that has been furnished. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX  account XXXX XXXX has a balance of {$540.00} and was opened on XX/XX/XXXX. Since then the account has been charged off it has repeatedly been misrepresented as charged off every month. This is an update of payment history and simultaneously re-aging the account which is illegal. A charged off account should NOT include an active payment history. This Inaccurate information falsely manipulates the statute of limitation. The date open and balances across all XXXX bureaus is incorrect. This company has filed a 1099c and according to IRS this is reported as income and not debt. XXXX has failed to investigate this account properly and neglect and violated my rights. I am demanding a deletion of this account. 

XXXX XXXX XXXX XXXX account XXXX XXXX has a balance of {$860.00} and was opened on XX/XX/XXXX. Since then the account has been charged off it has repeatedly been misrepresented as charged off every month. This is an update of payment history and simultaneously re-aging the account which is illegal. A charged off account should NOT include an active payment history. This Inaccurate information falsely manipulates the statute of limitation. The date open and balances across all XXXX bureaus is incorrect. This company has filed a 1099c and according to IRS this is reported as income and not debt. XXXX has failed to investigate this account properly and neglect and violated my rights. I am demanding a deletion of this account. 

XXXX XXXXXXXX XXXX account # XXXX has a balance of {$8900.00} and was opened on XX/XX/XXXX. Since then the account has been charged off it has repeatedly been misrepresented as charged off every month. This is an update of payment history and simultaneously re-aging the account which is illegal. A charged off account should NOT include an active payment history. This Inaccurate information falsely manipulates the statute of limitation. The date open and balances across all XXXX bureaus is incorrect. This company has filed a 1099c and according to IRS this is reported as income and not debt. XXXX has failed to investigate this account properly and neglect and violated my rights. I am demanding a deletion of this account. 

XXXX XXXX XXXX  account # XXXX has a balance of $ XXXX was opened on XX/XX/XXXX. Since then the account has been charged off it has repeatedly been misrepresented as charged off every month. This is an update of payment history and simultaneously re-aging the account which is illegal. A charged off account should NOT include an active payment history. This Inaccurate information falsely manipulates the statute of limitation. The date open and balances across all XXXX bureaus is incorrect. This company has filed a 1099c and according to IRS this is reported as income and not debt. XXXX has failed to investigate this account properly and neglect and violated my rights. I am demanding a deletion of this account. 

XXXX. This XXXX XXXX  account # XXXX has a balance of {$14000.00} and was opened on XX/XX/XXXX. Since then the account has been charged off it has repeatedly been misrepresented as charged off every month. This is an update of payment history and simultaneously re-aging the account which is illegal. A charged off account should NOT include an active payment history. This Inaccurate information falsely manipulates the statute of limitation. The date open and balances across all XXXX bureaus is incorrect. This company has filed a XXXX and according to IRS this is reported as income and not debt. XXXX has failed to investigate this account properly and neglect and violated my rights. I am demanding a deletion of this account. 

XXXXXXXX XXXX XXXX account # XXXX has a balance of $ XXXX was opened on XX/XX/XXXX. Since then the account has been charged off it has repeatedly been misrepresented as charged off every month. This is an update of payment history and simultaneously re-aging the account which is illegal. A charged off account should NOT include an active payment history. This Inaccurate information falsely manipulates the statute of limitation. The date open and balances across all XXXX bureaus is incorrect. This company has filed a 1099c and according to IRS this is reported as income and not debt. XXXX has failed to investigate this account properly and neglect and violated my rights. I am demanding a deletion of this account. 

XXXX. This XXXX XXXX XXXX account # XXXX has a balance of {$7000.00} and was opened on XX/XX/XXXX. Since then the account has been charged off it has repeatedly been misrepresented as charged off every month. This is an update of payment history and simultaneously re-aging the account which is illegal. A charged off account should NOT include an active payment history. This Inaccurate information falsely manipulates the statute of limitation. The date open and balances across all XXXX bureaus is incorrect. This company has filed a 1099c and according to IRS this is reported as income and not debt. XXXX has failed to investigate this account properly and neglect and violated my rights. I am demanding a deletion of this account. 

XXXX. This XXXX  XXXX account # XXXX has a balance of {$860.00} and was opened on. Since then the account has been charged off it has repeatedly been misrepresented as charged off every month. This is an update of payment history and simultaneously re-aging the account which is illegal. A charged off account should NOT include an active payment history. This Inaccurate information falsely manipulates the statute of limitation. The date open and balances across all XXXX bureaus is incorrect. This company has filed a 1099c and according to IRS this is reported as income and not debt. XXXX has failed to investigate this account properly and neglect and violated my rights. I am demanding a deletion of this account. 

According to 15 USC 16811 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall. 
( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are supposed to 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 current injury and defamation of character that my family and I are experiencing because of the blatant disregard for reporting inaccuracies on my credit report is astonishing and it is affecting our home and life. I have XXXX charge offs adversely reporting on my credit file that should not be on my credit report. I am aware that these companies mentioned above are lawfully acting in commerce utilizes the IRS form 1099C Cancellation of Debt for the remaining debt obligation not recovered. Such an IRS form is then reported as " INCOME '' and not as a " DEBT '' on a consumer 's tax filing requirements. While the business can cancel/ write off the account receivables '' as a " BAD DEBT '' and receive a tax deduction as mentioned in the IRS Topic 453. Reporting any income on a credit report is a violation of the Fair Credit Reporting Act. 
This current issue of the above mentioned accounts furnishing this inaccurate information on my consumer credit report is clearly not only going against the rules of construction in the area of " exclusions '' of reports containing information solely as to transactions or experiences between the consumer and the person making the report '', This inaccurate information as to what the IRS Publication 4681 defines as " Income '' and not " Debt '' is being furnished to third party data furnishers as well. Your agency continues to violate my consumer rights, specifically Under 15 U.S. Code 1681a ( d ) Consumer Report ( 2 ) Exclusions ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. These accounts above should be removed!

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