Consumer complaint received 2020-08-31
Company: Experian Information Solutions Inc.
State: LA
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. The date opened and date of last payment is incorrect and inconsistent to the 3 bureaus. 
This account is reporting in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. 
XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
2. The date opened and date of last payment is incorrect and inconsistent to the 2 bureaus. 
This account is reporting in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. 
XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
3. This is a charge-off account it should have XXXX balance. This account is reporting in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. 
XXXX XXXX Account Number : XXXX How can there be a past due on this collection? Delete this unverified and inaccurate account. 
4. This is a charge-off account it should have XXXX balance. This account is reporting in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. 
XXXX Account Number : XXXX how did you verify this account when the collection agency stated they had no information on me? Delete this! 
5. The payment status is incorrect to the 2 bureaus. This account is reporting in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. 
XXXX XXXX Account Number : XXXX If you can not provide verifiable proof, I would like it removed immediately 6.  HIPPA VIOLATION REMOVE PROFCRJONSBO Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 7. HIPPA VIOLATION REMOVE XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 8. The date of last reported and last active is incorrect to the 3 bureaus. I don't have contractual relationship with this company. 
XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
9. HIPPA VIOLATION REMOVE FOXCOLLECENT Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 10. This is a collection account it should have no past due or late payments. Please provide me the name and address of the original creditor. Pursuant the Fair Debt Collections Practices Act Section 809. 
XXXX Account Number : XXXX If you can not provide verifiable proof, I would like it removed immediately 11.  Please provide documentation that the following account belongs on my credit report and that my rights under Illinois Landlord/ Tenant law have not been abrogated. Investigate very carefully XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX2. This account is incomplete inaccurate and unverifiable. 
XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
13. This is a collection account it should have no past due or late payments. Please provide me the name and address of the original creditor. Pursuant the Fair Debt Collections Practices Act Section 809. 
XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
14. The payment status is unknown and that is not possible. FCRA states that the reporting must be complete accurate and verifiable. 
XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
15. This is a collection account it should have no past due or late payments. Please provide me the name and address of the original creditor. Pursuant the Fair Debt Collections Practices Act Section 809. 
XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft.I 've attached FTC report. Remove from my credit report immediately. 
16. I don't recall having a collection account/Collection. This was a corporate account and mistakenly reported on my profile. 
XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
17. HIPPA VIOLATION REMOVE PROFESSIONAL CREDIT MA Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 18. The date opened and date of last payment is incorrect and inconsistent to the 2 bureaus. 
This account is reporting in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. 
XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

For EXPERIAN 1. The date opened and date of last payment is incorrect and inconsistent to the 3 bureaus. 
This account is reporting in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. 
XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
2. The date opened and date of last payment is incorrect and inconsistent to the 2 bureaus. 
This account is reporting in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. 
XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
3. The date opened and date of last payment is incorrect and inconsistent to the 2 bureaus. 
This account is reporting in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. 
XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. This is a charge-off account it should have XXXX balance. This account is reporting in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. 
XXXX XXXX Account Number : XXXX How can there be a past due on this collection? Delete this unverified and inaccurate account. 
5. This is a charge-off account it should have XXXX balance. This account is reporting in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. 
XXXX Account Number : XXXX how did you verify this account when the collection agency stated they had no information on me? Delete this! 
6. The payment status is incorrect to the 2 bureaus. This account is reporting in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. 
XXXX XXXX Account Number : XXXX If you can not provide verifiable proof, I would like it removed immediately 7. The payment status is inaccurate to the 2 bureaus. This is a collection account it should have no past due amount. 
XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
8. The date of last reported and last active is incorrect to the 2 bureaus. I don't have contractual relationship with this company. 
XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
9. The date of last reported and last active is incorrect to the 2 bureaus. I don't have contractual relationship with this company. 
XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
10. Please provide documentation that the following account belongs on my credit report and that my rights have not been abrogated. 
XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
11. HIPPA VIOLATION REMOVE PROFCRJONSBO Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 12. HIPPA VIOLATION REMOVE TRANSFINANCI Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 13. why is there a monthly payment on this closed account Delete this account immediately XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
14. The date of last reported and last active is incorrect to the 2 bureaus. I don't have contractual relationship with this company. 
XXXX XXXX Account Number : XXXX how did you verify this account when the collection agency stated they had no information on me? Delete this! 
15. The date of last reported and last active is incorrect to the 3 bureaus. I don't have contractual relationship with this company. 
XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
16. HIPPA VIOLATION REMOVE FOXCOLLECENT Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 17. The payment status is unknown and that is not possible. FCRA states that the reporting must be complete accurate and verifiable. 
XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
18. HIPPA VIOLATION REMOVE PROFESSIONAL CREDIT MA Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule For XXXX 1. The date opened and date of last payment is incorrect and inconsistent to the 3 bureaus. 
This account is reporting in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. 
XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
2. The date opened and date of last payment is incorrect and inconsistent to the 2 bureaus. 
This account is reporting in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. 
XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
3. The date opened and date of last payment is incorrect and inconsistent to the 2 bureaus. 
This account is reporting in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. 
XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. This is a charge-off account it should have XXXX balance. This account is reporting in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. 
XXXX XXXX Account Number : XXXX How can there be a past due on this collection? Delete this unverified and inaccurate account. 
5. This is a charge-off account it should have XXXX balance. This account is reporting in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. 
XXXX Account Number : XXXX how did you verify this account when the collection agency stated they had no information on me? Delete this! 
6. The payment status is inaccurate to the 2 bureaus. This is a collection account it should have no past due amount. 
XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
7. The date of last reported and last active is incorrect to the 2 bureaus. I don't have contractual relationship with this company. 
XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
8. The date of last reported and last active is incorrect to the 2 bureaus. I don't have contractual relationship with this company. 
XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
9. Please provide documentation that the following account belongs on my credit report and that my rights have not been abrogated. 
XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
10. HIPPA VIOLATION REMOVE PROFCRJONSBO Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 11. HIPPA VIOLATION REMOVE XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 12. why is there a monthly payment on this closed account Delete this account immediately XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
13. The date of last reported and last active is incorrect to the 2 bureaus. I don't have contractual relationship with this company. 
XXXX XXXX Account Number : XXXX how did you verify this account when the collection agency stated they had no information on me? Delete this! 
14. The date of last reported and last active is incorrect to the 3 bureaus. I don't have contractual relationship with this company. 
XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
15. Please provide documentation that the following account belongs on my credit report and that my rights have not been abrogated. 
XXXX XXXX Account Number : XXXX If you can not provide verifiable proof, I would like it removed immediately 16.  HIPPA VIOLATION REMOVE XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule

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