Consumer complaint received 2024-04-03 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: FL

Complaint narrative:
To whomever is reading this, I thank you for taking the time to read and resolve this matter on behalf of me. As a consumer I have a comprehensive understanding of my rights and I am expressing my rights as a consumer. I XXXX XXXX seek remedy with accordance of THE FAIR CREDIT REPORTING ACT. 


THE FAIR CREDIT REPORTING ACT Responsibilities are assumed & maintained of credit REPORTING agencies, " 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 [ The Fair Credit Reporting Act 15 USC 1681 section 602 ].

Two negative accounts under the titles of XXXX XXXX XXXX were furnished without any consideration nor consent, there is no account that ties to the collections from the same offender XXXX XXXX who doesnt have any rights as debt buyer to enforce an obligation of an account that they arent the original creditor of, nor can verify a binding contract between XXXX XXXX XXXX XXXX XXXX XXXX with wet ink or electronic signature ) to which every debt incorporates contract law. The collateral is directly associated with the debt, The XXXX coincide with each other to which the debt & the contract arent separate. One can not operate without the other in this predicament. 
In addition the original creditor filed an 1099 ( C ) ( Cancellation of debt ) and the debt is now a CERTIFICATE OF INDEBTENDESS, with that you can no longer collect or claim on the debt it has been written off and the charge off being filed operated as a benefit { please refer to IRS Topic 453 bad debt deduction } .Offsetting the negative in result gave them a qualifying tax deduction that can be credited. credit subtracts an amount from a person 's tax liabilities, a tax deduction is a qualifying expense that reduces the amount of income that can be taxed. Not only is it a benefit, but it is also accounted as income and reporting income is illegal. 
[ 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 ] 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports A collection is an adverse action and is the result of a creditor failing to provide an accurate accounting to which an 1099 filling is an benefit and offsets the negative.

: 15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 
The term consumer means an individual. 
The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. 
( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Reporting TransactioXXXX history is illegal, my payment history includes exact amounts, particular dates when amounts were paid and to who it went to. Those are not only transactions, but very detailed transactions. 
Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. Again, you need prior written instruction of the individual to whom it relates.

Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and Conclusion I request that an immediate deletion of the following accounts, and proper, accurate, updated codes be reflected on my records. And my rights as a Consumer be respected and THE FAIR CREDIT REPORT ACT duties and responsibilities be maintained by you.

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