Consumer complaint received 2023-06-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX Contact Number : ( XXXX ) XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ( or ) XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX Services XXXX XXXX XXXX XXXX XXXX XXXX GA XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX Dear XXXX, XXXX, Experian , and XXXX XXXX XXXX XXXX XXXX I am writing to dispute the inaccuracy of the information contained in my credit report regarding the original creditor, XXXX XXXX XXXX XXXX XXXX, and the associated account number XXXX, which is displayed twice. This collection account is reported as open with a past due balance of {$1400.00} on both accounts. However, the account is only shown on XXXX and not on XXXX or Experian, creating a significant discrepancy between the credit bureaus. 

According to the federal Fair Credit Reporting Act ( FCRA ), I have the right to an accurate credit report. This inaccurate reporting is negatively impacting my reputation, character, and ability to qualify for new credit. The discrepancies between the credit bureaus are creating an unfair and inaccurate representation of my creditworthiness. 

I kindly request the immediate removal of this account from my credit report and ask that you provide me with a copy of my updated credit report reflecting the removal of this account. Additionally, I am requesting that your company provide me with debt validation and the Health Insurance Portability and Accountability Act ( HIPAA ) authorization. 

Please be aware that this is not a request for verification or proof of my mailing address, but a formal request for validation as outlined in the Fair Debt Collection Practices Act ( FDCPA ). I would like the debt validation to include an agreement, an original bill, and a detailed statement of procedures, if applicable. I also request a breakdown of fees, including any collection costs and medical charges, if applicable. Furthermore, I require a copy of my signature on file with the provider of services to release my medical information. Additionally, please provide a report of comparative analysis between the questionable signature and the signature recognized by the alleged signer, if applicable. Lastly, I request an affidavit signed under the Penalty of Perjury stating that your organization has not violated any provisions of the FCRA, FDCPA, and HIPAA. 

I will be submitting a police report regarding this fraudulent activity. Please note that the Notice to Furnishers issued by the Federal Trade Commission specifies your responsibilities when receiving notice from a CRA, under section 605B of the FCRA, that the information provided to the CRA may be the result of identity theft. These responsibilities include ceasing to provide inaccurate information to any CRAs and refraining from selling or transferring fraudulent debts to another party for collection. 

Furthermore, I believe that XXXXXXXX XXXX XXXX XXXX XXXX, as the furnisher of this information, and Experian, as the credit bureau , are unreliable sources. Their inconsistent reporting raises serious questions about their accuracy and reliability. Therefore, I formally request a thorough reinvestigation of this matter. I kindly request the removal of this collection account from my credit report due to the inaccurate and unreliable reporting. Please provide me with a written confirmation of the deletion and an updated copy of my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

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