Consumer complaint received 2024-11-26 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:
I am filing this complaint to report severe violations of consumer protection laws and guidelines by the creditors and collectors listed below. These inaccuracies are damaging my credit profile, violating federal and state laws, and harming my financial well-being. The violations include, but are not limited to, the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Uniform Commercial Code ( UCC ), and IRS guidelines for debt reporting. 

Items in Violation : XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Numbers : XXXX and XXXX Violation : This collection account is linked to identity theft and was reported without my consent. Reporting violates FCRA 1681c-2 ( prohibition on reporting identity theft information ), FDCPA 1692e ( 8 ) ( false or misleading representations ), and UCC 1-203 ( bad faith reporting ). 
Demand : XXXX deletion of this fraudulent account. 
XXXX XXXX ( Original Creditor : Music and Arts ) Account Number : XXXX Violation : This account contains unverifiable and false information. The collection agency failed to validate the debt, violating FCRA 1681e ( b ) ( accuracy of reported information ) and FDCPA 1692g ( b ) ( requirement to validate debt upon request ).

Demand : Immediate deletion due to failure to provide proof of accuracy. 
XXXX XXXX Account Numbers : XXXX and XXXX Violation : These charge-offs are false and unverifiable. The reporting violates IRS 1099-C guidelines for canceled debts, which require proper reporting and notification for forgiven debt, as well as FCRA 1681e ( b ) ( accuracy standards ).

Demand : Immediate deletion of these accounts as the debts are inaccurately reported and unverifiable. 
XXXX XXXX XXXXXXXX Account Number : XXXX Violation : The balance reported is unverifiable and misleading, violating FCRA 1681e ( b ) ( accuracy ) and UCC 9-406 ( obligations regarding the assignment and transfer of debt ).

Demand : Immediate deletion of this account. 
XXXX XXXX Account Number : XXXX Violation : The reporting lacks proper validation and misrepresents the debt, violating FDCPA 1692e ( prohibition on false or misleading debt information ).

Demand : Immediate deletion of this account due to misrepresentation. 
XXXX XXXX XXXX Account Number : XXXX Violation : Late payments reported are unverifiable, violating FCRA 1681s-2 ( b ) ( requirement to investigate disputed data ).

Demand : Update this account to reflect Paid in Full and remove all late payments. 
XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX Violation : This collection account is linked to identity theft and was reported without my consent. The reporting violates FDCPA 1692g ( b ) ( failure to validate debt ) and UCC 9-406 ( inadequate transfer of debt ownership ).

Demand : Immediate deletion of this fraudulent account.

General Violations Across All Accounts : These items are also in violation of IRS Guidelines, which require proper documentation and handling of canceled or charged-off debts. Additionally, by failing to validate or investigate disputed data, these agencies are in violation of consumer protection laws designed to ensure fair and accurate rep
orting.

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 non-monetary relief