Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to get an ongoing issue resolved which warrants immediate attention and resolution. The account with XXXX XXXX is falsely reporting and it has affected by reputation, creditworthiness and living conditions for the last 6 years and more. I have attempted to contact and respectively communicate with the company on numerous occasions. I really appreciate your attention to this matter and look forward to your positive response. 

XXXX XXXX Account # XXXX When I spoke with ID number XXXX in the retail-non collateral department around the date of XX/XX/XXXX, the disorganization and negligence of this company became even more apparent. The representative could not clearly articulate the reason for the reporting as a charge off and in fact told me she would make sure the account was mark paid in full and all negative remarks would be removed after the phone call. I also requested to update the address on file as the one they had was never an address I lived. This wreaks of identity theft. 

This account has been paid in full. The vehicle was stolen, police report filed, all proper steps taken, full coverage less the deductible was paid from progressive, and XXXX insurance covered the difference. I was never contacted regarding any balance and the company in question has destroyed my credit as a result. The information i received from the phone call in XXXX was that the account is closed and has a XXXX balance, company claimed at some point the debt/security was transferred to XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX they claim the charge off occurred. XXXX XXXX XXXX XXXX XXXX went out of business and the debt reverted back to XXXX XXXX collections XX/XX/XXXX. Then they claimed the balance was finally marked fully paid as of XX/XX/XXXX. None of this adds up as the car was paid in full and I should not be punished for lack of business professionalism and fraud of this company. 

At this point, the account should reflect paid in full, with no CHARGE OFF verbiage and no negative transaction history to affect my creditworthiness. The IRS in publication 4681 classifies a charge off as a certificate of indebtness. When it all boils down, a certificate of indebtness is INCOME. INCOME can not be reported to my credit report. The charge off indicates the debt has been forgiven and this warrants prompt removal of the charge off from my credit report. The company claims it has written of the {$250.00} amount and I have yet to receive a 1099.

Also per 15 U.S. Code 1681c - '' Requirements relating to information contained in consumer reports-Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : - Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' Also under definitions in 15 USC 1681a .... '' Exclusions - ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ''. 

The charge off and negative transaction history reflected on my credit reports with all XXXX agencies is an adverse item that must be removed. This account has been paid in full, multiple violations are occurring with this account. Please help as soon as possible I appreciate your assistance.

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