Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes.You and your inaccurate reporting have damaged my livelihood.15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate informationProhibition ( A ) Reporting information with actual knowledge of errorsA person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.Duty : a moral or legal obligation ; a responsibilityAccurate : correct in all details ; exact.Prohibition : a law or regulation forbidding somethingAs Defined by The IRSEven if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.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 your reporting of this account inaccurate! By Definition The IRS Clearly says a Canceled debt or Charge off is Income. The reporting of this account as a debt is inaccurate.15 USC 1681 s-2 Says you { XXXX XXXX XXXX XXXX XXXX are a furnisher of information to a consumer reporting agency.You ARE PROHIBITED BY LAW to furnish accurate information. I demand you to Cease and Desist the reporting of incorrect/ inaccurate information immediately.15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurateYou are hereby put on NOTICE that you are furnishing incorrect inaccurate information.The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union, federal government agency , or other applicable entity as discussed earlier in chapter 1.The above paragraph is taken directly from the IRS XXXX  publication.SEND ME MY FORM 1099-C that you should have sent when you Filled the account as a canceled debt.Furthermore The truth in Lending Act 15 USC 160XXXX ( a ) Determination of the Finance charge Says This ( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.XXXX XXXX XXXX XXXX XXXX There is an insurance built into the Finance Charge that protects the lender against the obligors default or other credit loss, How are you going to do a Charge off when you collect the insurance money! Furthermore, you have this account listed as a charge off well a charge off is a Cancelled Debt, which means not only did you collect on the insurance money you also got a Tax deduction! You further went on to sell this alleged debt to a debt collector and or debt buyer you have gotten paid 3 times on this alleged debt not to mention insurance and tax fraud. Yet you are calling my phone repeatedly, which I have proof and sending me daunting letters to both you and your agent XXXX XXXX XXXX XXXX collections company! I am filing complaints with the CFPB, IRS, XXXX, OCC and State attorney Generals office both in my state and yours! You picked the wrong one! Because I am coming after your ass.SEND ME MY FORM 1099-C My address is ABOVE! { Or See Attached Page } 15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate informationProhibition ( B ) Reporting information after notice and confirmation of errorsA 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 ( ii ) The information is, in fact, inaccurate.In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate.The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information.You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report. 


XXXX XXXX XXXX XXXX

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