Consumer complaint received 2024-01-03 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: KY

Complaint narrative:
XXXX XXXX and its representative are continuously showing no regard to the law and my right to privacy. They are telling me that their policy overrules the law. They are committing language fraud with misleading facts and giving their false interpretation of the law. They have caused and are still causing me defamation of character by illegally reporting information that should not be on my consumer report and misleading me and refusing to remove it. They are telling me that I have no right to privacy, and they are knowingly reporting income on my consumer report. 

Their said in your response As of XX/XX/XXXX, were reporting the account as an unpaid charged off account. According to the IRS ( Internal Revenue Service ) publication irs.gov, a charged-off is a certificate of indebtedness which goes along with a 1099c The Cancelation of Debt. It is considered to be income, and you know very well that income can not be reported on a consumer report. Proper procedures must be followed to ensure accurate reporting 15 U.S. Code 1681e.

The Gramm-Leach-Bliley Act, require that they report their information data sharing practices, as well as provide me with information and the right to opt out of data sharing with 3rd party non-affiliate agencies, like XXXX, Experian as well as XXXX, or any other not listed here. It is also your responsibility to make sure that it is presented in a clear and conspicuous manner. They are in violation of this Act as they just admitted this, in your response that is attached. Furthermore in accordance with the Privacy Act of 1974 I have the right to privacy that they are trying to deny me.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 inaccurate. 
( B ) Reporting information after notice and confirmation of errors A 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.

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

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 non-monetary relief