Consumer complaint received 2016-12-23
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This notice is to Experian. You do not have any right based on the submission to put any kind of freeze or fraud alert on my credit report. Unfortunately I have to make that statement as it seems you are bad about trying to do that to avoid fulfilling my written requests. 

The following accounts are on my credit report and there has been no physical documentation provided by you the credit bureau or by the original creditors stating that this account is actually mine or even meets FCRA guidelines. Let me be clear that section 609 of the FCRA states that you must have on file the original documentation meaning a signed contract in order for this debt to be verified and validated. Without this you can not state that the accounts meet FCRA guidelines because the accounts are not complete, not verifiable and not accurate. So unless you can provide physical proof which the original creditor can not then you must remove these accounts immediately or face possible law suits for defamation of character and personal damages. 

1. XXXX XXXX This company is stating by a recorded call that they can not locate any signed application from me. Therefore they are reporting false and negative information and must be removed immediately. You have not shown proof from the data furnisher and you are violating the law by reporting this against me without proof. 
2. XXXX XXXX XXXX this company is also stating that they do not have any record showing a signed and or verbal recorded agreement. So how did they verify this other than to say yes matches the customers information. Sorry this is not meeting FCRA guide as you have not been able to supply physical proof that what they are reporting is correct. They can provide it to me so how are they providing it to you? Remove it or I will file a compliant again and ask that you be investigated. 
3. XXXX XXXX This account appears to be medical, I called the number listed and they do not have a signed agreement nor HIPAA release form stating that I gave them permission to share any of my medical file with you which includes name, address, social and amount of debt. Unless you have a signed HIPAA form stating that I released my information you are violating federal law and will be sued. Remove this item immediately as you have no valid right to report this. 
4. XXXX XXXX. I called XXXX and spoke to XXXX, transferred me to collections, when I asked if they could send me the original signed XXXX Account he said they did not have that on file. If they do not have this on file who are you to report this and say that it is mine when you have no proof. This does not meet FCRA Guidelines in section 609 so remove it immediately. 

You have ignored my request in writing. And merely say you have verified, really with whom and where is the proof needed to satisfy this listing. You do not have it refuse to remove it. At this time, this will now have to be escalated to an attorney for legal advice and if he suggests that I sue then that is what I will have to do. I have spoke to the creditors and they do not have sufficient proof to report this information. understand that I do not have to supply you with anything, as the credit reporting agency it is up to you to support your claim. The burden of proof is on your not me. You have 30 days from date of receipt of this claim to remove the XXXX accounts listed against me.

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