Consumer complaint received 2020-09-25
Company: Experian Information Solutions Inc.
State: TX
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:
The company is in violation of the fair credit reporting act. Experian is reporting inaccurate information, experian is not validating the debt and but reporting the debt is accurate. I have made several attempted to get this corrected and Experian refuse to comply with law. Experian is fully aware of the violation that creditor is reporting inaccurate information to experian and violating the hippa act and Experian continue to assist the creditor with reporting on my credit report, I submitted my my dispute again with experian on XX/XX/XXXX and XX/XX/XXXX and by XX/XX/XXXX experian informed me the account was accurate with out validation of debt that I requested several times. Also XXXX XXXX a third party collection agency is in violation of the hippa act. I never signed hippa act concent form to release any of my medical information, and to report negative collections on my credit report and to report negative collections on all 3 credit bureaus which is also effecting my employment, declined for credit cards, apartments all XXXX inaccurate information is reporting on my credit. Also in violation of the hippa act is the original creditor XXXX  XXXX XXXX XXXX I never signed a concent form to sell my information, I never signed a hippa act concent form, and the negative collections is effecting not only my credit report, but my livelihood, employment, apartments, credit card decisions be denied do to collections report, Also XXXX  is reporting inaccurate information on my credit report and is fully aware that the information is inaccurate but continue reporting negative credit information on my credit report XXXX   it's in violation of the Fair credit reporting act. XXXX  is not validating the debt and saying that the account is accurate. Which XXXX  is aware they are reporting inaccurate information but continue to report negative collections against my credit which is effecting my employment, apartments and my livelihood, and credit card decisions.Also XXXX XXXX XXXX  is in violation of the hippa act. I  never signed a hippa act consent form to release any of my medical information.This company is third party collection which is reporting negative collections on my credit report that is inaccurate and this company never provided validation of the debt which is not my debt which is affecting my livelihood employment me getting an apartment getting declined for credit cards.Original Creditor Name XXXX XXXX XXXX XXXX is in violation of the HIPAA act I never signed a HIPAA act consent form I never sign a consent form to sell my information to a third party which is reporting negative collections on my credit report  which is inaccurate information and saint XXXX XXXX is aware that the information is inaccurate and sold the information to a third party. Which is effecting my livelihood, employment, apartments, and credit card decisions. I want this negative collections removed from my credit report immediately or I will have to take legal actions against all the companies I named in the complaints, these companies are fully aware that they are in violation of the fair credit reporting act, violation of the hippa act. And  the company above none of them validated the debt when I requested validation of debt to be sent to me which never happened and instead they continued to report negative collections on my credit report fully aware that the counts did not belong to me and at the information if they were reporting was inaccurate I will like this information from the collections and these negative reports to be removed from my account immediately or I will have to proceed with legal action against all the companies named above in the statement.

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