Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #8305721
Complaint Overview
Complaint ID: 8305721
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 information incorrect
State: Illinois
ZIP Code: XXXXX
Date Received: 2024-02-07T12:00:00-05:00
Date Sent to Company: 2024-02-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I only have one name which is : XXXX XXXX XXXX Name ID # XXXX and or XXXX XXXX XXXX ID # XXXX ALL THE OTHER NAMES ARE INCORRECT!! Please remove name XXXX # XXXX, # XXXX, # XXXX Remove Spouse or co-Applicate XXXX According to Experian Its illegal to report income on a consumer report, but the accounts listed below are income since they were charged off. According an article made by YOU ( EXPERIAN ) at https : //www.experian.com/blogs/ask-experian/does-a-credit-report-show-income/, it states that Income is not part of your credit report, So if you say this, why is this on my consumer report? XXXX XXXX ( acct # XXXX ), XXXX XXXX XXXX XXXX XXXX ( acct # XXXX ), XXXX XXXX XXXX I ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX XXXX aka XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), ( XXXX ), are all in violation of multiple laws set forth by Congress in regards to the following accounts ( XXXX XXXX ( acct # XXXX ), XXXX XXXX XXXX XXXX XXXX ( acct # XXXX ), XXXX XXXX XXXX I ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), ( XXXX ). According to 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) it 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 ( s ) XXXX XXXX ( acct # XXXX ), XXXX XXXX XXXX XXXX XXXX ( acct # XXXX ), XXXX XXXX XXXX I ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), ( XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person XXXX XXXX XXXX acct # XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( XXXX ), ( XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The following companies XXXX XXXX ( acct # XXXX ), XXXX XXXX XXXX XXXX XXXX ( acct # XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( 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 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 XXXX acct # XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( XXXX ), ( XXXX ) for any of the cancelled debts in order to file as ordinary income. Where is my 1099-C from either XXXX XXXX XXXX acct # XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( XXXX ), ( XXXX ), is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! The follow companies XXXX XXXX ( acct # XXXX ), XXXX XXXX XXXX XXXX XXXX ( acct # XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), ( XXXX ), have been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In all of the terms and conditions uploaded XXXX XXXX ( acct # XXXX ), XXXX XXXX XXXX XXXX XXXX ( acct # XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), ( XXXX ), they agreed not to share my information with non-affiliates. Experian is not an affiliate of XXXX XXXX ( acct # XXXX ), XXXX XXXX XXXX XXXX XXXX ( acct # XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX XXXX AKA XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), ( XXXX ). 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 am 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 USC 6802. I shall also point out their responsibility pursuant 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. XXXX XXXX ( acct # XXXX ), XXXX XXXX XXXX XXXX XXXX ( acct # XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX XXXX AKA XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), ( XXXX ), must also refund the remaining balance of the consumer account upon its termination.
Frequently Asked Questions
What is Complaint #8305721 about?
Complaint #8305721 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 2024-02-07T12:00:00-05:00.
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.