Consumer complaint received 2022-11-06
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX. XXXX XXXX XXXX are violating the law by reporting to my credit report that their Internal Collections Department is assigned to this collection when the company is el facto a collection company and that is their primary role is collecting outstanding debts such as the two medical debts that have been trying to collect from me without proper validation for years and violated my rights and laws as outlined in this complaint. XXXX XXXX XXXX is violating : 15 U.S. Code 1692j - Furnishing certain deceptive forms : U.S. Code ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.

( Pub. L. 90321, title VIII, 812, as added Pub. L. 95109, XXXX XXXX XXXX XXXX XXXXXXXX. XXXX. ) XXXX XXXX XXXX is reporting a inappropriate entry in an attempt to intimate me into thinking that the collection is a part of " the internal collections department '' or they are providing that entry to disqualify them from being regulated by U.S. 15C. 

XXXX. Additional PROOF : XXXX XXXX XXXX has reported on both of these two medical debts they are attempting to collect that the type is Collection. It were an internal Collections account it would be collections department. Another attempt to manipulate the credit reporting system essentially breaking the law in doing so.

Internal debt collectors are those who work for the same company that you owe and would be a part of an internal collections department. This does not apply to XXXX XXXX XXXX as it is in fact a third party, completely separate business from the original creditor and is falsifying credit report entries to benefit their company and violate consumer laws at the same time. 

in recap : XXXX XXXX XXXX is representing themselves as a " Internal Collections Department '' when they are in face a third party, stand alone, business unconnected to the original creditor, XXXX, XXXX XXXX ... .... XXXX XXXX XXXX is a collection agency and would not have an internal collections department as that is the company 's primary service to customers such as XXXX, XXXX, XXXX that they refer to as the original creditor of XXXX medical debts on my credit report ... .... XXXX XXXX XXXX is falsifying and improperly coding the collection that they are trying to collect from me as as XXXX XXXX Department in attempt to intimidate and misrepresent the collection for being a simple medical debt. 

Furthermore, XXXX XXXX XXXX is not reporting complete data to the credit bureaus as seen in the attachments as well, some days aren't being reported at all, this is violation to the fair credit reporting act where all reporting is to be accurate, fair, and complete. 

In addition, add to this complaint that the the privacy department of XXXX XXXX, who contracts with XXXX XXXXXXXX XXXX, for staffing services have been notified of the various offenses of XXXX XXXX XXXX and has taken no action. In fact, they are in violation of polices and possibly laws for their failure to report a HIPPA Compliance Breach by this same collection company they provided this PHI of mine too. 

Furthermore, XXXX, Experian will not remove these invalidated accounts even though both have been proven to be not valid after several years. 

Everyone is protecting this collection company because they are all at fault for their failures each and everyone. I remain diligent in uncovering everything.

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 non-monetary relief