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: MA

Complaint narrative:
I demand this false reporting account XXXX XXXX XXXX XXXXXXXX ) to be removed immediately. This account has been charged off and is considered a certificate of indebtedness. Per 26 USC108, states a certificate of indebtedness is considered income and income can not be reported on my credit report and must be removed. Income from discharge of indebtedness, a taxpayers cancellation of debt, is included in gross income unless specific exceptions apply and can not be reported on file IRS says. By 15 USC 1681a, 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. XXXX, experian, XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' 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. Also, 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Im concerned that these actions may be in violation of both the Graham Leach-Bailey Act ( GLBA ) and the Fair Credit Reporting Act ( FCRA ). According to the GLBA, financial institutions are required to provide consumers with an initial privacy notice and an annual privacy notice outlining their information-sharing practices. Furthermore, consumers have the right to opt out of having their non-public personal information shared with non-affiliated third parties for marketing purposes. To date, I have not received any such notices from the institution, nor have I been given the opportunity to opt out of information sharing. Therefore, I request that you provide me with copies of all privacy notices that should have been sent to me in accordance with the GLBA. As a result of any information sharing or other actions tooken by the institution, the FCRA protects consumers to have the right to accurate and complete credit reporting. 15 U.S. Code 1681sa1a, states " 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 false. The consumer reporting agencies are reporting different status on dates that don't match and incorrect after they have knowledge of false data. Tampering with someone credit report when my file must maintain 100 percent maximum accuracy at all times by law 15 USC 1681eb is a violation. 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. By providing misleading information, this has affected my ability to receive credit and I demand that this erroneous debt be removed from my credit file immediately. They are fully in many violations of the law.

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