Consumer complaint received 2023-04-13
Company: Experian Information Solutions Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Need a dispute resolution quicker? 
All of your credit report information is reported by your lenders, so incorrect or incomplete information may be resolved more quickly if you dispute directly with them. And remember, inquiries can't be disputed online. 
Drafts XXXX XXXX Reports 2 Potentially negative 2 Accounts 0 Public records 25 Personal information 7 Hard inquiries Important Messages Medical Information By law, we can not disclose certain medical information ( relating to physical, mental, or behavioral health or condition ). Although we do not generally collect such information, it could appear in the name of a data furnisher ( i.e., " XXXX XXXX '' ) that reports your payment history to us. If so, those names display on your report, but on reports to others they display only as " XXXX XXXX XXXX. '' Consumer statements included on your report at your request that contain medical information are disclosed to others. 

Public Records Information If your report contains public records, the Public Records section includes items from courts that Experian may have obtained through a third party vendor, XXXX XXXX XXXX XXXX XXXX You may contact them at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX, or visit https : //experianconsumersXXXX 

Know your rights A Summary of Your Rights Under the Fair Credit Reporting Act The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). Here is a summary of your major rights under the FCRA. For more information, including information about additional rights, go to XXXX or write to : Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, D.C. 20552. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, D.C. 20552. 

Hard inquiries XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XXXX  On record until XX/XX/XXXX Soft inquiries XXXX XXXX Inquired on XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX and 3 more XXXX Inquired on XXXX and 1 more XXXX XXXX Inquired on XXXX and 1 more XXXX XXXX Inquired on XX/XX/XXXX and 15 more XXXX XXXX XXXX Inquired on XX/XX/XXXX EXPERIAN Inquired on XX/XX/XXXX and 4 more EXPERIAN Inquired on XX/XX/XXXX EXPERIAN Inquired on XX/XX/XXXX and 32 more EXPERIAN Inquired on XX/XX/XXXX and 8 more EXPERIAN Inquired on XX/XX/XXXX and 1 more EXPERIAN Inquired on XXXX and 1 more EXPERIAN Inquired on XXXX  EXPERIAN Inquired on XX/XX/XXXX EXPERIAN XXXX XXXX on XX/XX/XXXX and 12 more XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX and 2 more XXXX XXXX XXXX Inquired on XXXX XXXX XXXX Inquired on XXXX XXXX XXXX Inquired on XXXX XXXX  Inquired on XX/XX/XXXX and 8 more XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 5 more XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX and 1 more XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on 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