Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Experian is reporting income to consumer 's report. The IRS has accepted this as reported income and 1099C cancellation of debt by XXXX XXXX XXXX  account number # XXXX was received from IRS. Experian is inaccurate reporting income which is a certificate of indebtedness to my consumer report. I have attached my personal identifying information such driver 's license and utilities bill. XXXX XXXX XXXX SSN # last four digits # XXXX XXXX XXXX XXXX XXXX KY XXXX I am not a third party or credit. Reporting income is not accurate ( b ) Accuracy of report 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. ( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information Delete immediately and monetary compensation FCRA violations for 15 USC 1681i and 15 U.S. Code 1681e - Compliance Procedures ( b ) Accuracy of report 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. ( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information. Up to a {$1000.00} per violation. 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681o - Civil liability for negligent noncompliance The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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.

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