Consumer complaint received 2020-08-31
Company: Experian Information Solutions Inc.
State: NV
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:
To Whom It May Concern : On XX/XX/XXXX, XXXX, XXXX, and XXXX are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX 1. Validate Account XXXX XXXX Account Number : XXXX you've reported 3 different dates under date of last activity - remove for violation 2. I'm aware that section 609 states  that you are required to send me the copies of documentation that I filled out XXXX Account Number : XXXX This is a clear violation of the FCRA and I have an attorney in place ready to move forward with legal actions 3. This was an illegal repossession and due process was not followed. I never received proper notification. 
XXXX Account Number : XXXX Please remove it from my credit report. 
4. The following information is outdated. I would like it removed from my credit history report XXXX Account Number : XXXX Each bureau has different info in the historical payment data this is inaccurate and all lates need to be removed I'm aware that section 609 states that you are required to send me the copies of documentation that I filled out 5. Validate Account XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
6. Validate Account XXXX XXXX XXXX Account Number : XXXX This is a clear violation of the FCRA and I have an attorney in place ready to move forward with legal actions 7. HIPPA VIOLATION REMOVE XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 8. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.

9. Validate Account XXXX Account Number : XXXX How can there be late payments on a collection/charged off delete! 
10. Validate Account XXXX XXXX  Account Number : XXXX Please supply information on how you have verified this item. 
XXXX. XXXX VIOLATION REMOVE Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 12. HIPPA VIOLATION REMOVE Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule For EXPERIAN 1. Validate Account XXXX XXXX Account Number : XXXX you've reported 3 different dates under date of last activity - remove for violation 2. I'm aware that section 609 states that you are required to send me the copies of documentation that I filled out XXXX Account Number : XXXX This is a clear violation of the FCRA and I have an attorney in place ready to move forward with legal actions 3. This was an illegal repossession and due process was not followed. I never received proper notification. 
XXXX Account Number : XXXX Please remove it from my credit report. 
4. The following information is outdated. I would like it removed from my credit history report XXXX Account Number : XXXX Each bureau has different info in the historical payment data this is inaccurate and all lates need to be removed I'm aware that section 609 states that you are required to send me the copies of documentation that I filled out 5. Validate Account XXXX XXXX Account Number : XXXX The FCRA requires you to send verifiable proof in writing within 30 days or Remove. So remove immediately 6. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report For XXXX 1.  Validate Account XXXX XXXX Account Number : XXXX you've reported 3 different dates under date of last activity - remove for violation 2. I'm aware that section 609 states that you are required to send me the copies of documentation that I filled out XXXX Account Number : XXXX This is a clear violation of the FCRA and I have an attorney in place ready to move forward with legal actions 3. This was an illegal repossession and due process was not followed. I never received proper notification. 
XXXX Account Number : XXXX Please remove it from my credit report. 
4. The following information is outdated. I would like it removed from my credit history report XXXX Account Number : XXXX Each bureau has different info in the historical payment data this is inaccurate and all lates need to be removed I'm aware that section 609 states that you are required to send me the copies of documentation that I filled out 5. Validate Account XXXX XXXX Account Number : XXXX The FCRA requires you to send verifiable proof in writing within 30 days or Remove. So remove immediately 6. Validate Account XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
7. Validate Account XXXX XXXX XXXX Account Number : XXXX This is a clear violation of the FCRA and I have an attorney in place ready to move forward with legal actions 8. HIPPA VIOLATION REMOVE XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 9. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
10. Validate Account XXXX XXXX  Account Number : XXXX Please supply information on how you have verified this item

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