Consumer complaint received 2019-12-15
Company: Experian Information Solutions Inc.
State: TX
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:
Dear Credit Bureau : Experian I hope your day is going well, I need your help. I pulled a copy of my credit report and noticed a fraudulent accounts. I am a victim of identity theft, and did not make the charge [ s ] .This incorrect information on my credit report is causing problems when I try to apply for credit. I did some research on how you handle consumer disputes. I believe you use a system called E-Oscar to handle investigations. Please do not rely or do the investigate using this system because its not 100 % accurate. I really need your help because at this point I dont know where to turn. Please investigate this matter, and get back with me when you are finished. I am writing to dispute the following information on my file. Please update, modify or remove any account that is not reporting with 100 % accuracy. I demand the following accounts be corrected or removed immediately. I noticed problems with the following accounts are fraudulent : XXXX XXXX / XXXX XXXX XXXX Reported balance : {$660.00} Opened : XX/XX/2018 XXXX XXXX XXXX / XXXX XXXX  Reported balance : {$9100.00} Opened : XX/XX/XXXX XXXX XXXX Reported balance : {$11000.00} Opened : XX/XX/XXXX XXXX  Reported balance : {$7400.00} Opened : XX/XX/2012 I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : Please update, modify or remove any account that is not reporting with 100 % accuracy. I demand the following accounts be corrected or removed immediately. I noticed problems with the following Medical account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported balance : {$110.00} Opened : XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Reported balance : {$160.00} I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right to have them fixed, right? I did not open or authorize this account, and I therefore request that it be closed immediately. I am a victim of identity theft, and did not make the charge [ s ]. I am requesting that the items be blocked to correct my credit report. In addition, I'd like to request a fraud alert placed on my file along with a victim 's statement asking that creditors call me before opening any new accounts. I also request that XXXX XXXX XXXX  / XXXX XXXX XXXX AND XXXX XXXX XXXX / XXXX XXXX XXXX XXXX absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. Your failure to properly correct these accounts will hurt my ability to obtain credit. Every time you allow third party collectors access to my personal health information, you are violating the HIPPA law. I will file a complaint with the Office for Civil Rights, FTC, and the attorney generals office for repeated violations of the HIPPA law. You can't report the status of this account through the collection agency. If you do report the status through your third party collection agency, this would be a violation of HIPPA. I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. Please provide me with a copy of an updated and corrected credit report showing these items removed.

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