Consumer complaint received 2017-04-21
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I would like to submit a complaint regarding unknown medical accounts on my Experian credit report #  XXXX  that I have attempted to dispute with Experian on or about  XXXX . I disputed these accounts with   XXXX   and requested verification that they belonged to me. The investigation was completed on  XXXX / XXXX / XXXX  and I received a letter from  XXXX  stating that  XXXX   XXXX   XXXX  accounts :  (  #  XXXX  and  XXXX   XXXX  on my Experian credit report were verified.     I mailed  XXXX   XXXX   XXXX  numerous letters disputing and requesting debt validation for the unknown medical accounts being reported on my Experian credit report. The aforementioned disputes and request for debt validation were sent vi a Priority M ail, during the months of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  and  XXXX   XXXX .  XXXX    XXXX   XXXX   did not validate the unknown medical accounts as set forth in my letters per the Fair Debt Collection Practices A ct, 15 USC & 1692g, Title VIII Debt Collection Practices and Mississippi collection laws. In addition, the unknown medical   accounts are time-barred in  XXXX   XXXX   XXXX  home state, Mississippi. Per the debt collection laws in Mississippi, Contracts, oral or written,  and Promissory Notes have a statute of limitations of 3 years ( MCA 75-3-118, 75-2-725, and 15-1-49 ).  Clearly, not only is  XXXX    XXXX   XXXX   violating Mississippi state debt collection laws by attempting to collect a time-barred account  ( s ) but the federal debt collection laws as well, per the Fair Debt Collection Practices Act ( FCRA ) at 15 USC 1692 et seq., and which states in relevant part : " A debt collector may not use any false, deceptive, or misleading   representation or means in connection with the collection of any debt, '' which includes " the false representation of the character ; or legal status of any debt, '' and " the threat to take any action that can not legally be taken, '' all of which are violations of state and federal debt collection laws, as well as fraud. Experian, as a credit reporting agencies, is also governed by the FCRA.   Therefore, when  XXXX   XXXX   XXXX  could not and would not validate the accounts per the letters and disputes I mailed to their company ; I mailed Experian a follow-up letter via Priority Mail on  XXXX / XXXX / XXXX , stating that I was unsuccessful at having  XXXX   XXXX   XXXX   XXXX   validate the unknown medical accounts/debt and that I would need information from Experian listing the dates of service, providers, and types  of medical services pro vided in order to identify the collections as belonging to me or delete these disputed, inaccurate unknown medical accounts from my credit file that I am not liable for and the accou nts may be time-barred. It has been well over 45 days and Experian has not provided me with dates of service, providers, and types of medical services provided in order to identify the collections as belonging to me. Yet their company continues to report these inaccurat e unknown medical accounts on my credit report. Moreover,  XXXX   XXXX   XXXX  has completely disregarded my attempts to have these accounts validated, which leads me to believe these accounts are fraudulent and  may be a re sult of identity theft. I have also attempted to contact the original credito r (   XXXX   XXXX   XXXX  ) regarding these unknown medical accounts listed on my Experian credit file via telephone several times and was told by a billing representative of their company, they do not have and never had any outstanding medical bills listed under my name, social security number, address, or the account numbers listed on my Experian credit report for any year. I also contacted my sta te Medicaid office, regardi ng these unknown medical accounts, and was given the same response, no accounts existed under my name, ssn and address.

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