Consumer complaint received 2025-01-14 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: MI

Complaint narrative:
This involves all three credit agencies. Experian, XXXX and XXXX. 
They are reporting charge off accounts on my credit report. 

Which charge offs are considered income under 15 USC 1681 2 A I.

According to the IRS, in order for it to be marked charge off a 1099-c MUST BE ISSUED. The CREDIT AGENCIES WHO HAVE VERIFIED THIS INFORMATION MULTIPLE TIMES!

Should have already verified that a 1099-c was in fact in the file BEFORE EVER PUTTING IT IN MY CREDIT REPORT.

They have failed to do so, among marking these open or closed, having balances, which if it is charged off it cant have a balance. The company must also produce a statement showing that they have incurred a loss. The company also receives tax credits for this. Which means they cant come after me for a debt, because I HAVE TO CLAIM IT AS INCOME FOR THE TAX CREDIT.

On top of all of that after multiple verifications of this information from XXXX XXXX which MY CREDIT FILE IS FROZEN. So how they are verifying XXXX. I do not know. 

I have froze XXXXXXXX XXXX XXXX XXXXXXXX XXXX, and yet everything comes back verified. I have addresses on my account I HAVE NEVER LIVED AT. I have accounts they said are verified that were in fact fraud. They refuse to remove this information. 
After submitting a letter informing them of the FRAUD THEY ARE COMMITTING! 

This is WILLFUL NONCOMPLIANCE. They now want to verify the information again and have denied my right to have these removed, when I have lettters from Debt collectors showing that in fact these are NOT CHARGED OFF. These HAVE BEEN INACCURATE FOR YEARS. They must be DELETED IN 3 days, per the Law like the letter I am submitting with this complaint. Also have submitted to Experian and XXXX. I cant even access my equifax record at all. I have yet to reach them. I will try today, but Experian is telling me XX/XX/year> I will have results. No. They have verified these and have committed fraud. 
I have letters from XXXXXXXX XXXX XXXX  showing they purchased the debt, which shows that they have lied. I want FINANCIAL COMPENSATION FOR THE YEARS OF INACCURATE AND INCOMPLETE REPORTING OF THESE XXXX accounts. I HAVE DISPUTED this debt multiple times, I have not validated any of these debts with anyone. But they have damaged my ability to even furnish a place to live. They do not get to complete another investigation. They have failed at every investigation thus far. Also have violated my rights to privacy, by going beyond a frozen file. Since they have verified the information. They refuse to remove addresses saying this is how they verify accounts. It is also how scammers verify information, because it can be obtained from basic search engines. They can access my credit profile. Which XXXX is in fact responsible for. I did not leak my data to the world. 

I need the CFPB To assist either this and require the agencies to follow the FCRA, and FDCPA. They are violating the law. They do not get to tell me that information is accurate as a charge off and again then if it is a charge off it WOULD HAVE TO BE REMOVED per the law. Because it is income. Which cant be on my credit report. Now they have ruined my credit for over 3 years. They need to delete all items, as required when they are reported to be false. They had 3 days to do so. XXXX is the only one to not be informed which I will call as soon as I finish this complaint.

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