Business ProfileforSierra Credit Corporation

I have recently discovered in my credit file a Creditor reporting of a fraud account. This will be ****************** account numbers # ********** and 2002****73. Now Sierra is using two variations of the account number and I will provide proof with documents for your review, but it is one account that I am addressing here. On 10/10/2023 I sent Sierra Credit Corporation a letter informing them about the error of the reporting. On 10/23/2023 I received a response from Sierra Credit Corporation advising me that they have conducted a review and they won't comply and wont take any action. I believe that they did not make a lawful investigation according to the law above. I also believe that all Sierra Credit Corporation did is match my name and SSN and account number and called this account correct. That information was not in question here in my complaint with Sierra Credit Corporation. According to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. Sierra Credit Corporation has this account classified as a charge off. According to the *** when a Creditor charges off an account they must file a ****-C cancellation of debt. After the creditor charges the account off it becomes income to both parties the consumer and the creditor. According to Experian income does NOT get reported. Furthermore pursuant to 15 U.S. Code 1681a(2)(A)(i) - Definitions; rules of construction. (i)report containing information solely as to transactions or experiences between the consumer and the person making the report; The key here is to highlight the TRANSACTIONS OR EXPERIENCES. Virtually everything like late payments, charge offs, and more. So a charge off is being reported as inaccurate information.