Consumer complaint received 2024-06-03 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: MI

Complaint narrative:
Pursuant to the Fair Credit Reporting Act 15 U.S. Code 1681 section 602 states There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX XXXX is in violation of multiple laws set forth by Congress in regard to the following account # XXXX. XXXX U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that a person ( XXXX XXXX XXXX shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX and EXPERIAN ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. 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 reporting of this account is inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX for the cancelled debt of { ( {$850.00} ) } in order to file as ordinary income. Where is my 1099-C XXXX XXXX XXXX XXXX writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater XXXX { ( {$600.00} ) }. This is unsatisfactory! XXXX XXXX has been HEREBY PUT ON NOTICE that they are providing incorrect inaccurate information. I provided a letter I sent to XXXX XXXX to opt out of sharing my information per federal law. In XXXX XXXX terms and conditions, they agreed not to share my information with non-affiliates. XXXX AND EXPERIAN are not an affiliate of XXXX XXXX nor are they bureaus. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I as now revoking any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. 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, non-written, verbal, and non-verbal per 15 U.S. Code 6802. I shall also point out their responsibility pursuant to 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( b ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( 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.

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