Consumer complaint received 2020-08-31
Company: Experian Information Solutions Inc.
State: NC
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/2020, XXXX XXXX, and Experian 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. Please send all paperwork associated with this account to prove that it belongs to me. I notified you that it was unknown and sending me a statement that says verified doesnt change this fact if you don't have the signed contract please delete this acco XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
2. remove for inaccuracy - this account reporting is completely inaccurate even though it is from 1 creditor XXXX Account XXXX : XXXX How can there be a past due on this collection? Delete this unverified and inaccurate account. 
3. what was the method of verification I do not believe there was an investigation on this account XXXX XXXX XXXX Account Number : XXXX How can there be a past due on this collection? Delete this unverified and inaccurate account. 
4. I don't know what this is - please remove this unverified account unless you can furnish a signed contract XXXX XXXX XXXX Account Number : XXXX How can there be a past due on this collection? Delete this unverified and inaccurate account. 
5. HIPPA VIOLATION REMOVE Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule For EXPERIAN 1. Please send all paperwork associated with this account to prove that it belongs to me. I notified you that it was unknown and sending me a statement that says verified doesnt change this fact if you don't have the signed contract please delete this acco XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
2. remove for inaccuracy - this account reporting is completely inaccurate even though it is from 1 creditor XXXX Account Number : XXXX How can there be a past due on this collection? Delete this unverified and inaccurate account. 
3. once an account is closed there should be no activity after that date please delete for inaccuracy XXXX Account Number : XXXX simply stating that this account was verified does not change the fact that it's unknown and you didn't verify it! Delete 4. what was the method of verification I do not believe there was an investigation on this account XXXX XXXX XXXX Account Number : XXXX How can there be a past due on this collection? Delete this unverified and inaccurate account. 
XXXX. I don't know what this is - please remove this unverified account unless you can furnish a signed contract XXXX XXXX XXXX Account Number : XXXX How can there be a past due on this collection? Delete this unverified and inaccurate account. 

For XXXX 1. Please send all paperwork associated with this account to prove that it belongs to me. I notified you that it was unknown and sending me a statement that says verified doesnt change this fact if you don't have the signed contract please delete this acco XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
2. remove for inaccuracy - this account reporting is completely inaccurate even though it is from 1 creditor XXXX Account Number : XXXX How can there be a past due on this collection? Delete this unverified and inaccurate account. 
3. I dispute this account and nothing was sent to me legally verify this account XXXX, XXXX Account Number : XXXX Please supply information on how you have verified this item. 
4. what was the method of verification I do not believe there was an investigation on this account XXXX Account Number : XXXX I would like for you to remove any and all lates on this account because they are inaccurate 5. creditor failed to correct or remove this account. They also did not respond to my dispute so how did you verify XXXX XXXX Account Number :  XXXX simply stating that this account was verified does not change the fact that it's unknown and you didn't verify it! Delete

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