Consumer complaint received 2023-08-20
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My information was used without my consent which created accounts that im not aware of. Under 15 us 1681c-2 these items must be remoled. 
Remaining Inquires the information and the furnisher could not provide sufficient proof to prove their reporting. 1.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX Account XXXX have not supplied proof under the doctrine of estoppel by silence Engelhardtv v. Graven ( MO ) 261 SW 715 719 i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 2.Validate Account XXXX  Account XXXX This is not mine. 3.The following account is not mine XXXX  Account XXXX 4.Validate Account XXXX Account Number : Please Update all payment, all pay was made on time. 5.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. 6.Validate Account XXXX Account Number : Please investigate and delete from my credit report. 7.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 8.Validate Account XXXX  XXXX Account Number : Please remove it from my credit report. 9.Validate Account XXXX XXXX Account Number : Please remove it from my credit report. 10.Validate Account 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. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t 11.Validate Account XXXX XXXX Account Number : Please remove inaccurate reported late payments update to paid as agreed 12.Validate Account XXXX  XXXX Account Number XXXX have not supplied proof under the doctrine of estoppel by silence Engelhardtv v. Graven ( MO ) 261 SW 715 719 i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 13.Validate Account XXXX  Account Number : Please ensure that all information is accurate 14.Validate Account XXXX XXXX  Account Number : have not supplied proof under the doctrine of estoppel by silence Engelhardtv v. Graven ( MO ) 261 SW 715 719 i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 15.Validate Account XXXX XXXX  Account Number : Please ensure that all information is accurate 16.Validate Account XXXX Account Number : Please remove it from my credit report. 17.Validate Account XXXX Account Number : Please supply information on how you have verified this item. 18.Validate Account 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. 19.Validate Account XXXX Account Number : Please remove inaccurate reported late payments update to paid as agreed 20.Validate Account 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. -- -- -- XXXXI am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t 21.Validate Account 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. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t 22.Validate Account XXXX  XXXX Account Number : Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( XXXX ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 23.Validate Account XXXX  Account Number : Please removed from my public record 24.Validate Account XXXX  XXXX Account XXXX My parent has the same name as me. 25.Validate Account XXXX Account XXXX Please supply information on how you have verified this item. 26.Validate Account XXXX  Account Number : XXXX 27.The following account is not mine XXXX Account XXXX Please Update all payment, all pay was made on time. 28.The following account is not mine XXXX Account XXXX Please Update all payment, all pay was made on time.

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