Consumer complaint received 2024-08-17 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: LA

Complaint narrative:
Per the CFRA, as a federally protected consumer, I am opting out of any and all authorization I, the consumer may have given you written, non written, vernal, non verbal per 15 USC 6802. 

This account is listed as a charge off and can not have a balance. It is now considered a Certificate of Indebtedness : which goes along with the 1099-C form ( cancellation of debt ) that I HAVE YET to receive. Also if it is a XXXX of XXXX, it is now income and income can not be reported to my credit report. 

I, the consumer has delivered XXXX XXXX XXXX with an opt out notice more than 30 days ago of my own since one has never been provided to me stating, 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, unwritten, verbal, non-verbal per 15 USC 6802. Furthermore, as stated in 12 CFR 1016.7, I am opting out of their reporting services.

I am also writing to request VALIDATION and ACCURACY of said debt for the accounts listed : XXXX XXXX XXXX Under the Fair Credit Reporting Act, 15 USC 1681 Section 602 States that I have the right to privacy and 15 USC 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. I have not provided written instructions to furnish any account.

15 USC 1666 B states, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 USC 1611 states, Criminal liability for willful and knowing violation whoever willfully and knowingly ( 1 ) gives false or inaccurate information which is required to disclose under the provisions of the subchapter or any regulation issued.

thereunder, 15 USC 1692 ( C ) Without prior consent of the consumer given directly to the debt collector may not communicate with a consumer in connection with the collection of any debt.

15 USC 1681 11681x, The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore, I want the following accounts to be reflected ACCURATELY and state the correct amount, date, status, open and closed date, last date of activity, and time. IF you can not complete the request, please IMMEDIATELY remove this account from my consumer report. I have provided document ( s ) to support my claim of the inaccuracies of my report. Please investigate to ensure every piece of information is correct, if not please delete from my consumer report. I look forward to your TIMELY response in this matter.

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