Consumer complaint received 2025-01-11 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: GA

Complaint narrative:
XXXX is in violation of multiple laws set forth by XXXX regarding the following account # XXXX. 15 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 1681s-2 ( a ) ( 1 ) ( A ) states that a person ( XXXX ) shall not furnish any information relating to a consumer ( XXXX ) to any consumer reporting agency ( Experian, XXXX, XXXX ) 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 makes reporting of this account inaccurate! 

I provided a screenshot from the IRS website. By definition, the IRS clearly says a canceled debt or charge-off is income. The reporting of this account as a debt is inaccurate. I never received a XXXX from XXXX for XXXX canceled debt of {$180.00} in order to file as ordinary income. Where is my 1099-C? XXXX is clearly writing off debt with the IRS without sending out a 1099-C as required by the IRS for debts. This is unsatisfactory! 

XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect, inaccurate information. In XXXX terms and conditions, they agreed not to share my information with non-affiliates. Experian, XXXX, and XXXX are not affiliates of XXXX, XXXX are they " bureaus. '' The only true credit bureau is the CFPB, and they DO NOT furnish consumer reports as stated in federal law. 

I have a right to privacy, and per the Privacy Act of XXXX, as a federally protected consumer, I am now revoking any and all authorization I, the consumer, may have given youwritten, non-written, verbal, or nonverbalper 5 U.S. Code 552a. Per the FCRA, as a federally protected consumer, I am opting out of any and all authorization I may have given, written or otherwise, per 15 USC 6802.

I also point out your responsibility under 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( XXXX ) 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 for such notices, that specific information is inaccurate ; and ( ii ) The information is, in fact, inaccurate. 

XXXX must also refund the remaining balance of the consumer account upon its termination. This is your XXXX notice to return ALL money due from this consumer account. XXXX Treatment of credit balances ; account termination applies as follows : ( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account, the creditor shall : XXXX Credit the amount of the credit balance to the consumer 's account ; XXXX. Refund any remaining balance within XXXX business days upon written request ; XXXX. Make a good-faith effort to refund balances held for over XXXX months. 

( b ) Account termination. A creditor shall not terminate an account solely for inactivity unless it has been inactive for three or more consecutive months and has no balance.

( c ) Timely settlement of estate debts : Policies must allow administrators of deceased accounts to obtain balances within 30 days and waive trailing or residual interest when balances are paid in full within that period.

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