Consumer complaint received 2020-12-08
Company: Experian Information Solutions Inc.
State: CO
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX. Date of Birth is XX/XX/XXXX. My social is XXXX. Please do not respond to this complaint saying you can not locate me in the system as I know this is a stall tactic and i provided my ID for this reason. I reached out to XXXX XXXX on XX/XX/XXXX in regards to account XXXX. I attached the letter I sent certified. I also attached their response I received on XX/XX/XXXX which was only the name of the original creditor and alleged dates of service and amount owed. I then sent them another request with validation on with tracking number. I received the enclosed information. I filed a CFPB complaint on XX/XX/XXXX advising that the information was not validated. They responded advising that they validated the debt by sending the information that was merely the name of the original creditor and alleged dates of service and amount owed. I filed another CFPB complaint on XX/XX/XXXX advising that XXXX has still neglected to provide me with validation as requested by me and required by law. Please direct them to delete all unverified accounts from my credit reports. Thank you very much for your help in this matter, it is greatly appreciated. This company responded to my last CFPB complaint advising that this debt was verified. This debt was NOT verified lawfully under the FCRA. I have yet to receive any PROOF that I signed any contract to be in agreement with them and that I owe them any money. They did not send me proper verification ( WHICH I ATTACHED. ) They sent alleged account information. That is not enough. 
I received in the mail on XX/XX/XXXX all of my medical records for the alleged debt which includes services rendered, medical tests I received, detailed medical information, etc. This company violated my privacy in which I am protected under HIPPA laws. They sent my medical records WITHOUT a HIPPA release form. I never gave XXXX XXXX XXXX permission to release my personal information such as specific treatment or medical tests I received outside of basic collecting information. 
This company knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. They failed to use reasonable care during business and failed to use even minimal procedures to ensure that I was not harmed. 
I will take any and all necessary steps to protect my rights. If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the FTC. Since you are the reporting agency reporting this information that is inaccurate and violating my rights I will include your company in a potential lawsuit. Should you continue to operate disregarded for the law, I intend to seek redress in civil action for recovery of damage, costs, and attorney fees. For this purpose, I am carefully documenting these events, including the lack of response REQUIRED under law from you. 
These accounts need to be deleted off my credit report expeditiously : XXXX XXXX XXXX XXXX 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