Consumer complaint received 2025-01-30 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:
REF : XXXX Experian and XXXX To Whom It May Concern, I am writing to formally dispute multiple inaccuracies on my credit report. I believe these entries have not been properly investigated as required under the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to conduct a reasonable investigation when a consumer disputes information. 

As Defined by the XXXX  : The XXXX considers a charge-off to be income, either as gross or ordinary income. Income like this doesn't belong on a credit report, so this information on my report isn't accurate! 
By IRS rules, any canceled debt or charge-off is classified as income. Reporting this as debt is incorrect. According to XXXX XXXX XXXX XXXX, Account Name, as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info. I'm requesting that you delete this inaccurate information from my report right away. 
XXXX*15 USC 1681 s-2 ( a ) ( 1 ) ( A ) : ** " A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate and the information is, in fact, inaccurate. '' In summary, I've shown you that this information is wrong, and you've been notified. Keeping this inaccurate info on my report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency. 

Below is a list of the items I am disputing : Account Name : XXXXXXXX XXXX Account # XXXX Charge-off : XX/XX/year> Account Name : XXXXXXXX XXXX Account XXXX XXXX Charge-off : XX/XX/year> Account Name : XXXXXXXX XXXX Account # XXXX Charge-off : XX/XX/year> Account Name : XXXX XXXXXXXX Account # XXXX Charge-off : XX/XX/year> Account Name : XXXX XXXX Account # XXXX Charge-off : XX/XX/year> Account Name : XXXX XXXX XXXX  Account XXXX XXXX Charge-off : XX/XX/year> I demand that these items be removed immediately unless you can provide clear, verifiable evidence that they were properly investigated and validated in accordance with federal law. Failure to comply with your violation or wiFe cAnsch a directEM consumers the right to accurate credit reporting and proper handling of disputes. Additionally, please be advised that I am prepared to take further legal action to enforce my rights under the FCRA. This may include filing complaints with the CFPB, the Federal Trade Commission ( FTC ), and Additionally, please be advised that I am prepared to take further legal action to enforce my rights under the FCRA. This may include filing complaints with the CFPB, the Federal Trade Commission ( FTC ), and pursuing a lawsuit to seek damages for non-compliance. 
I expect your full cooperation in this matter and require written confirmation of the actions you have taken within 30 days of receipt of this letter. Failure to respond appropriately will leave me with no choice but to escalate this issue further. 
If you have any questions, I can be reached at XXXX or 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