Consumer complaint received 2025-06-09 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:
The company XXXX has gave my peronal information without my permission to another company by the name of XXXX XXXX , they did not have my written consent to obtain my information, THEY DO NOT HAVE AN ORIGINAL CONTRACT WITH MY SIGNATURE AND THEIR COMPANY I DO NOT KNOW THIS COMPANY AND IT IS AGAINST THE LAW TO VIOLATE MY PRIVACY RIGHTS WITHOUT MY CONSENT. The company XXXX XXXX , and the Original creditor : XXXX, Account number : XXXX both have violated several laws and my consumers rights ; The original creditor XXXX, balance : {$2100.00} has filed charged off using IRS tax without sending me a copy of the 1099 which is required by law. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I WAS NEVER NOTIFIED, PLEASE SEND CERITFITED GREEN LABEL RECIPT SHOWING I RECEIVED THIS MAIL AS THE LAW XXXX REQUIRES WITHIN 5 DAYS BY LAW. 
As the original creditor, only I can validate this debt. I do not validate this debt. The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] ( 2 ) EXCLUSIONS. They were to notify me of this in writing five days prior, I was never notified as the original creditor, only I can validate this paid debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following accounts, they have violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. As per the FCRA you must delete all entries to my credit file that can not be proven to be accurate. Likewise, you must provide me with your Method of Verification. For clarity, the sections of the Fair Credit Reporting Act of 1970 which are referenced within this letter are : Section 604, Section 609, Section 611, and Section 623. I will assume that by the very nature of your business, I do not need to provide definitions of what is covered under each of these sections individually. The Information as Shown Below Must Be Investigated Immediately. Failure to Provide Adequate Details, Method of Verification, Accuracy of All Dates, Amounts, and other pertinent information will result in the immediate filing of formal complaints with the CFPB and the FTC. I reserve my right to sue you civilly in the court system, which will result in my seeking the maximum allowable penalty for each item. Should I require assistance, it will be sought through an attorney, dependent on your response to this letter. Thank you very much for your cooperation.

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