Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reached out to the the Bureaus Originally on XX/XX/XXXX via each Bureau who sent my dispute directly to XXXX XXXX XXXX regarding account XXXX. 
I requested them to please investigate and delete from my credit report. Initially I was a bit confused because this was listed as " collection attorney '' on my credit report and I know I have never spoke to any " attorneys ''. 
The FDCPA 807 SECTION 3, Strictly PROHIBITS : " the false representation or implication that any individual is an attorney or that any communication is from an attorney ''. However XXXX XXXX XXXX XXXX is on my credit report and is listed as " Collection Attorney '' in the detail type. This is unacceptable and NO Bureaus should have EVER allowed this to be inserted on my Credit Profile it is AGAINST THE LAW.

However, the Bureaus didn't respond. I sent out another letter on XXXX where I reminded the Bureaus of my complaint. I received correspondence from one of the Bureaus that XXXX XXXX XXXX  said account XXXX was " verified '' and " accurate ''. I found this not only to be inaccurate because I never had an account with XXXX XXXX XXXX XXXX and they are literally posing as an attorney which is against the FDCPA, but then found out this was a medical bill, Which also violates my rights under HIPPA Law. I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to ANYONE, for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. IT HAS NOW BEEN OVER 60 DAYS SINCE THEY HAVE RECEIVED MY ORIGINAL LETTER. Being that they are alleging that this account is " verified '' and " accurate '' should mean means that they should be able to produce all of then documentation I am requesting. If they can not produce this information they therefore not only violated FDCPA but also HIPAA. This account, account number XXXX XXXX needs to be removed from my credit report immediately being that it is inaccurate and violates the regulations of the FDCPA and HIPAA .

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