Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Synerprise Consulting Services, Inc.
State: AZ

Complaint narrative:
Synerprise Consulting services is in violation of multiple laws set forth by Congress in regards to the following account # XXXX XXXX U.S.Code XXXX ( 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 ( Synerprise Consulting Services ) making the report. Additionally, 15 U.S Code XXXX XXXX ( a ) ( 1 ) ( A ) states that A person ( Synerprise Consulting Services ) shall not furnish any information relating to a consumer ( ME ) to any consumer third party reporting agency including but not limited too XXXX, XXXX, XXXX, etc..... If the person knows or has reasonable cause to believe that the information is inaccurate. Svnerprise Consulting Services 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 XXXX from Synerprise consulting services for the cancelled debt of {$4000.00} in order to file as ordinary income. Where is the XXXX, Synerprise Consulting Services has clearly written off the debt thru the IRS on my behalf without my knowledge. I hereby put Synerprise Consulting services on NOTICE they are furnishing inaccurate info. In Synerprise Consulting Services 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 XXXX. 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 XXXX 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 XXXX 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 XXXX this will be effective immediately and indefinitely. I shall also point out their responsibility pursuant 15 U.S. Code section XXXX ( 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..

Company response to consumer: Closed with explanation