Consumer complaint received 2019-08-13
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hi XXXX, XXXX and Experian - Please look into this company. 

I received response back from this company through CFPB status update which states company is still working on issue. 

Please be aware this companies response is only to comply with the CFPB 15 day response requirement. Ive been disputing with XXXX group for almost 3 years in regard to this debt which isnt mines. This is very frustrating can you please forward this complaint as well to the FTC. This company doesnt respond to disputes and has not followed the 30 day response or delete rule. This company doesnt respond to disputes regardless of how a person disputes debts. 

Their response after 3 years is unacceptable. I Also used XXXX, XXXX and XXXX dispute system to document dispute. Again no response in regard to dispute. When I call this company they are oblivious to the dispute. Please remove from credit file they are years past the deadline and they do not follow federal guidelines. Please look into this company. Below is the original verbiage from my first CFPB dispute. Please have this company delete false debt from my credit profile this is very upsetting as a consumer. Thank you all for your help. Original Complaint : Thank you for your help. Ive contacted XXXX XXXX XXXX XXXX in regard to a XXXX Debt - XXXX XXXX. I let XXXX know that the debt isnt mine it is in fact my childs fathers debt. Which he also agrees is his. Both my childrens father and my son have the same name. We used to all attend the same XXXX office years ago. A mistake was made by XXXX XXXX Im charging my Sons fathers XXXX XXXX to my son and Is insurance. At the time my son was only XXXX. Theres no way these are his charges. My insurance clearly list my son and I as beneficiaries. As me and my childrens father were never married. He is not entitled to benefits as he is not my spouse. Part 2 - My son and I moved to XXXX which is by the XXXX XXXX which is 2 hours or so from XXXX XXXX. We havent been patients in almost 5 years. I reached out to XXXX XXXX. They found the error in their billing and admitted the mistake but stated the debt has been sold and I needed to resolve with XXXX- I have written numerous dispute letters with no response only to receive phone calls about how I would like to pay for debt. Ive provided SSN and address of my childrens father per their request and his consent but yet the debt is still on my credit file and increases by XXXX $ every month which drops my score by about 12 points every month due to increase in collection balance. The debt is not mines its been verified by XXXX as a mistake made with the names. They verified my childrens father signed consent for treatment and for the XXXX fees. Making the debt not mine. This company needs to be investigated on an 18 month CFPB look back due to their acts and practices. Violations to look for : - language of their debt practices unclear - threating words and behavior - Not putting dispute status on credit report - Not responding to debt validation letters - improper handling of others SSN numbers and not getting a written agreement to use someone elses SSN number IE my childrens father- I should not have been able to provide his SSN number without his written or verbal consent. Or being asked identifying questions. - company violates Privacy Act - company also partakes in frivolous fee charges. Please look back 18 months into this companies policies, many people do not know that consumers have the right to dispute and for their debts to be validated and reported accurately. This company keeps sending bill. Its been over a year now with still no resolution.

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