Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #10544368
Complaint Overview
Complaint ID: 10544368
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Arkansas
ZIP Code: 716XX
Date Received: 2024-10-22T12:00:00-05:00
Date Sent to Company: 2024-10-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
According to the IRS, a charged off debt are considered an income, 15 USC 1681 ( 2 ) ( a ) ( i ). Income is forbidden to be on a consumers credit report/file. The original credit, XXXX XXXX XXXX wrote the debt off on their taxes and received a profit ... ... ... ... ... ... ..... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...... FCRA Section 623, 15 USC 1681s-2, Responsibilities of Furnishers Info ... ...... ... ... ... ... ... ... ... ... ... ... ... ... ...... 12 CFR 1006.34c, Notice For Validations Of Debt ... ...... ... ... ... ... ... ... ... ... ... ... ... ... ..... I am exercising my rights under the FDCPA to request the following information : 1. The Purchase Assignment Agreement 2. Proof XXXX XXXX XXXX XXXX authorized to collect on behalf of the XXXX XXXX XXXX. 3. Profit/Loss Statement of 1099c 4. Documentation of all assignments showing the transfer of the debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. Proof that XXXX XXXX XXXX " securitized '' the debt. XXXX. Documentation showing the assignments of the debt from XXXX XXXX XXXX to the Secured Trust and then back to XXXXXXXX XXXX XXXX XXXX XXXX. A contract between myself ( XXXX XXXX ) and XXXX XXXX XXXX that bears my signature wherein I agreed to pay XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The amount paid to purchase this debt from XXXX XXXX XXXX. XXXX. The 1099c, since this debt has been charged off, written off. XXXX. The authorized printed and signed signature of XXXX XXXX XXXX and XXXX XXXX XXXX. ... ... ... ... ... ... ... ... ... ... ... ... ... ..... I am demanding that Professional Credit Management " DO NOT '' send me a printed computer generated statement of a bill. I AM NOT requesting a bill statement. Please DO NOT SEND another bill statement from XXXX XXXX
Frequently Asked Questions
What is Complaint #10544368 about?
Complaint #10544368 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-10-22T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.