Consumer complaint received 2025-01-19 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: AZ

Complaint narrative:
XXXX is in violation of multiple laws set forth by Congress in regards to the following account # XXXX, U.S.Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX ) making the report. Additionally, 15 U.S Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer third party reporting agency including but not limited too XXXX, XXXX, experian, etc..... If the person knows or has reasonable cause to believe that the information is inaccurate. XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. 
By Definition, the IRS Clearly says a Cancelled debt or Charge off which is a Certificate of Indebtedness is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX for the cancelled/charged off debt of {$12000.00} in order to file as income with the irs. Where is the 1099-C that was filed on my behalf, XXXX has clearly written off the debt thru the IRS on my behalf without my knowledge. I hereby put XXXX on NOTICE they are furnishing inaccurate information. In XXXX Terms and conditions/ privacy policy ( screen shot provided ) they agreed to not share my personal information with third party affiliates which includes but is not limited too XXXX XXXX XXXX XXXX and experian. CFPB is the only True Bureau and they do not furnish consumer reports as stated in Federal Law.I have the right to privacy and Per the privacy act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 5 U.S. code 552a this will be affective immediately and indefinitely.

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802-6805 this will be effective immediately and indefinitely. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate..and I was never given notice to opt out and do not give consent.Also Arizona state law SB1617 .XXXX  you are in violation because by reporting a charge off which per IRS definition that is considered income and if income is being reported on my credit reports that is the true Definition of discrimination. CFPB Orders XXXX to Pay {$25.00} XXXX for Intentional, Illegal Discrimination, XXXX Ordered to Pay Ex-Broker $ XXXX in Gender Discrimination Case These are just some of the few examples of how XXXX has discriminated and does so with our remorse. 
16CFR313.1Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure 6-1602. Personal financial information protected ; opt in consent A. EXCEPT AS PROVIDED IN SECTION 6-1603, A FINANCIAL INSTITUTION SHALL NOT SELL, SHARE, TRANSFER OR OTHERWISE DISCLOSE PERSONAL FINANCIAL INFORMATION TO OR WITH ANY NONAFFILIATED PARTY WITHOUT THE EXPLICIT PRIOR CONSENT OF THE CUSTOMER TO WHOM THE NONPUBLIC PERSONAL INFORMATION RELATES. THIS MAY BE CALLED " OPT IN '' CONSENT.

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