Consumer complaint received 2022-09-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I asked Experian to remove inaccurate accounts on my report on XX/XX/XXXX and there haven't been any resolution. I still need these account removed from my credit reports. 
My rights as a consumer have been violated. 
The companies below are in violation and these inaccurate accounts must be deleted immediately. XXXX XXXX  XXXX { {$540.00} } which I have provided proof of violations of 15 USC 1962D 15 U.S.C. 1692D A debt collector in collecting a debt, may not harass, oppress, or abuse any person. Along with many violations below as recently as XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2600.00} }, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$2100.00} XXXX who sometimes report under different/ abbreviated names and reporting a collection account last balance past due, inaccurate reporting balance on a collection showing XX/XX/XXXX in XXXX but as XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX { {$1200.00} }, which is still showing medical and is a HIPPA violation for accounts placed for collection. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of the court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt AFTER multiple disputes with Experian, XXXX and XXXX asking for debt validation for accounts they will not comply with my request. 

I have provided letters informing of debts being acquired and paid for by third parties of which they are requesting for payment from me as well. Additional Violations listed below : 15 USC 1681 ( a ) ( 4 ) - states that accounts for collection or charged to profit and loss which antedate the report by more than seven years. 15 USC 1681s-2 ( B ) ( i ) - states that the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate. 15 USC 1681b ( a ) ( c ) ( 2 ) - states that any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 USC 1681a section 603d ( 1 ) the term " consumer report '' means any written or oral or other communication of any information by a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used to collected in whole or in part for the purpose of serving as a factor in establishing the consumer 's eligibility ( 2 ) exclusion ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1692 ( i ) states that the collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 15 USC 1692e ( 2 ) ( A ) states that the false representation of ( A ) the character, amount, or legal status of any debt is a violation. 

Transactions between the consumer and the person making the report, and utilization are experiences and they are a violation. I asked for contracts with my signature to validate debts and they were not furnished. Fair Credit Reporting Act 15 U.S.C 1681 Section 616 ( A ) ( 1 ) ( A ) Civil Liability for willful noncompliance { {$1000.00} } per violation Section 623 ( A ) ( 1 ) ( A ) Reporting information with actual knowledge of errors Section 623 ( B ) ( 1 ) Reporting information after notice and confirmation of errors Section 611 ( 2 ) ( A ) Procedure in case of disputed accuracy Section 611 ( 5 ) ( A ) Treatment of inaccurate or unverifiable information. I have most recently XX/XX/XXXX started the disputing process again after continuous inaccurate reporting and having to over pay over thousands of dollars over the past years because of these inaccuracies.

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