Consumer complaint received 2023-06-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX Contact Number : ( XXXX ) XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ( or ) XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX GA XXXX Dear XXXX, XXXX, Experian, and XXXX XXXX XXXX XXXX, I am writing to dispute the inaccuracy of the information contained in my credit report regarding the original creditor, XXXX XXXX XXXX XXXX. This collection account is reporting as open with a past due balance of {$1500.00}. According to the federal Fair Credit Reporting Act ( FCRA ), I have the right to an accurate credit report. The FCRA promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. This account is not only fraudulent but also shows a significant discrepancy between the credit bureaus. 

I would like to state that I have never utilized the services of XXXX XXXX XXXX XXXX, and to the best of my knowledge, this account constitutes a violation of my rights under the Health Insurance Portability and Accountability Act ( HIPAA ). This inaccurate reporting is adversely affecting my reputation, character, and ability to qualify for new credit. As a consumer, I am entitled to accurate and fair reporting of my credit history, and this discrepancy creates an unfair and inaccurate representation of my creditworthiness.

I hereby request the immediate removal of this account from my credit report and kindly ask that you provide me with a copy of my updated credit report reflecting the removal of this account. Additionally, I request that your company provide me with debt validation and the Health Insurance Portability and Accountability Act ( HIPAA ) authorization. 

Please be advised that this is not a request for verification or proof of my mailing address, but a formal request for validation as outlined in the Fair Debt Collection Practices Act ( FDCPA ). I require debt validation in the form of an agreement, an original bill, and a detailed statement of procedures, if applicable. Furthermore, I request a breakdown of fees, including any collection costs and medical charges, if applicable. Please provide a copy of my signature on file with the provider of services to release my medical information. Additionally, I request a report of comparative analysis between the questionable signature and the signature recognized by the alleged signer, if available. Finally, please provide an affidavit signed under the Penalty of Perjury affirming that your organization has not violated any provisions of the FCRA, FDCPA, and HIPAA. 

I will be submitting a police report regarding this fraudulent activity. Please note that the Notice to Furnishers issued by the Federal Trade Commission specifies your responsibilities when receiving notice from a CRA, under section 605B of the FCRA, that the information provided to the CRA may be the result of identity theft. These responsibilities include ceasing to provide inaccurate information to any CRAs and refraining from selling or transferring fraudulent debts to another party for collection. 

Furthermore, I believe that XXXX XXXXXXXX XXXX XXXX, as the furnisher of this information, and Experian, as the credit bureau, are unreliable sources. Their inconsistent reporting raises serious questions about their accuracy and reliability. Therefore, I formally request a thorough reinvestigation of this matter. I kindly request the removal of this collection account from my credit report due to the inaccurate and unreliable reporting. Please provide me with a written confirmation of the deletion and an updated copy of my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

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