Consumer complaint received 2022-12-02
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Experian / XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : Report # undefined To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : 1.Validate Account XXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2.The inquiry was not authorized XXXX XXXX XXXX XXXX  Account Number : Please remove inaccurate reported late payments update to paid as agreed 3.Validate Account XXXX XXXX XXXX  Account Number : My parent has the same name as me. 
4.Validate Account XXXX XXXX Account Number : Please Update all payment, all pay was made on time. 
XXXX Account XXXX XXXX XXXX XXXX Account Number : I need to see all bank transaction that belong to this company that would proved my payments were not accepted on time or you need to removed these unverified late payment 6.Validate Account XXXX XXXX  Account Number : Please remove it from my credit report.

7.Validate Account XXXX XXXX Account Number : Please Update all payment, all pay was made on time. 
8.Validate Account XXXX XXXX XXXX Account Number : THIS CONTRACT IS CANCELED 9.Validate Account XXXX XXXX XXXX Account Number : This is not mine. 
10.Validate Account XXXX XXXX Account Number : I need to see all bank transaction that belong to this company that would proved my payments were not accepted on time or you need to removed these unverified late payment 11.Validate Account XXXX  XXXX XXXX Account Number : Please investigate and delete from my credit report.

12.Validate Account XXXX  XXXXXXXX XXXX Account Number XXXX Please supply information on how you have verified this item. 
13.Validate Account XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report. 
14.Validate Account XXXX XXXX Account Number : Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately 15.Validate Account XXXX XXXX XXXX  Account Number : Please ensure that all information is accurate 16.Validate Account XXXX XXXX  XXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
17.Validate Account XXXX XXXX  Account Number XXXX have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO XXXX XXXX XXXX XXXX XXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 18.Validate Account XXXX  XXXX XXXX XXXX  Account Number : 19.Validate Account XXXX XXXX XXXX XXXX Account Number : Please removed from my public record 20.Validate Account XXXX XXXX Account Number : Please removed from my public record 21.Validate Account XXXX XXXX Account Number : Please remove inaccurate reported late payments update to paid as agreed 22.Validate Account XXXX XXXX Account Number : Please removed from my public record 23.Validate Account XXXX XXXX XXXX XXXX Account Number : Please investigate and delete from my credit report. 
24.Validate Account XXXX XXXX XXXX XXXX  Account Number : have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX XXXX MO ) XXXX XXXX XXXX XXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 25.Validate Account XXXX XXXX XXXX Account Number : Please remove it from my credit report. 
26.Validate Account XXXX XXXX XXXX XXXX Account Number : have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO XXXX XXXX XXXX XXXX XXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 27.Validate Account XXXX XXXX XXXX Account Number : I need to see all bank transaction that belong to this company that would proved my payments were not accepted on time or you need to removed these unverified late payment 28.Validate Account XXXX XXXX XXXX Account Number : Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately 29.Validate Account XXXX XXXX XXXX Account Number : Please Update all payment, all pay was made on time. 
30.Validate Account XXXX XXXX OF Account Number XXXX have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO XXXX XXXX XXXX XXXX XXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 31.Validate Account XXXX Account Number : Please remove it from my credit report. 
32.Validate Account XXXX Account Number : Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately 33.Validate Account XXXX Account Number : Please supply information on how you have verified this item. 
34.Validate Account XXXX XXXX XXXX Account Number : Please investigate and delete from my credit report. 
35.Validate Account XXXX  XXXX XXXX Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- XXXX am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t 36.Validate Account XXXX XXXX XXXX Account Number : THIS CONTRACT IS CANCELED 37.Validate Account XXXX XXXX XXXX Account Number : My parent has the same name as me. 
38.Validate Account XXXX XXXX Account Number : Please investigate and delete from my credit report. 
39.Validate Account XXXX Account Number : Please removed from my public record 40.Validate Account XXXX XXXX XXXX Account Number : My parent has the same name as me. 
41.Validate Account XXXX XXXX Account Number : Please removed from my public record 42.Validate Account XXXX XXXX Account Number : 43.Validate Account XXXX XXXX XXXX  XXXX Account Number : Please investigate and delete from my credit report. 
44.Validate Account XXXX XXXX Account Number : Please investigate and delete from my credit report. 
45.The following accounts were closed by me and should state that XXXX XXXX XXXX XXXX Account NumberXXXX PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t 46.The following accounts were closed by me and should state that XXXX XXXX Account XXXX Please remove it from my credit report. 
47.I have paid as agreed on time this is an error XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
48.Validate Account XXXX Account XXXX THIS CONTRACT IS CANCELED 49.Validate Account XXXX XXXX XXXX Account XXXX PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, _____________________________________ 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 explanation