Consumer complaint received 2020-12-23
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am disputing ALL 5 XXXX XXXX XXXX from my Report, I Do Not know what they are or where they came from. 
I have NO KNOWLEDGE OF THESE ITEMS ... 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Also I have researched these XXXX XXXX  and they are a hospital here in Utah and even if it were mine I never signed a disclosure saying they could reveal my medical records and documents to any credit reporting agency under HIPAA law I am entitled privacy with medical documents and medical records. I have never given consent for any medical records to be released to any the credit reporting agency therefore it is a violation of the United States HIPAA law and the United States law under the antitrust law through the Federal Trade Commission this is a direct violation of my constitutional rights and my rights as an American citizen privacy act so I request that all of these XX/XX/XXXXbe removed immediately from my credit report and corrected before I take legal action. 

XXXX XXXX XX/XX/XXXX was PAID FULLY AND SUCCESSFULLY BUT YET IT SAYS PAID AND CLOSED BUT IT'S NEGATIVE ... 
XXXX XXXX PAID THAT LOAN OFF COMPLETELY SO IT SHOULD BE A POSITIVE ON MY CREDIT REPORT It should REPORT " PAID, NEVER LATE '' If you look at the records XXXX XXXX was refinanced through XXXX XXXX that is why the auto loan was transferred to XXXX XXXX XXXX so it makes no sense for this report to show negative when it was paid in full by XXXX XXXX when I refinanced how can this be negative this needs to stay it is a positive paid in full account. This is clearly proof that my credit report has been neglected by their credit reporting agencies I would like for all of this to reflect the lack of professionalism by the three credit bureaus XXXX XXXX XXXX XXXX XX/XX/XXXX I have NO KNOWLEDGE OF THIS, I BARELY BOUGHT THE TRUCKS FROM A DEALERSHIP AND DIDN'T NEED ANY NEW TIRES THIS IS NOT MINE XXXX XXXX XX/XX/XXXX was Paid Off and Closed This is inaccurate reporting, they must have another person with a similar name and have us mixed up. 
But I paid them off Completely It should report " Paid, Never Late '' XXXX XXXX XXXX XX/XX/XXXX I have no knowledge of I do not know what this is please remove it from my credit report XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX I do not know what this is and I want it removed from my credit report. 

XXXX  XXXX XXXX XXXX XX/XX/XXXX I have no idea what this is and I would like this removed from my credit report XXXX XXXX  XXXX total card XX/XX/XXXX I do not know what this is and I would like it removed from my credit report My name is XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ... 
And I am disputing XXXX XXXX Accounts from my credit report for the following reasons ... 
XXXX XXXX has VIOLATED MY RIGHTS AS A AMERICAN, AND RIGHT TO BE SAFE AND OUT OF HARM 'S WAY. 

XXXX XXXX Has been speaking to a Repo Gentleman EXCESSIVELY about my case and Everything that has been going on with my payments, and disclosing Very Personal Details about my Family and Co-signers family. They have disclosed personal information that had ENDANGERED XXXX AND XXXX XXXX by informing this Very Aggressive and Violent individual where they live. 
XXXX XXXX knew I NEVER LIVED THERE, YET THEY SENT THIS MAN TO THREATEN XXXX, SCARING HER INTO TELLING HIM WHERE I WAS. THAT NIGHT HE PULLED UP INFRONT OF MY TRUCK VERY QUICKLY, JUMPED OUT AVE CHARGED ME VERY AGGRESSIVELY AND BEFORE HE COULD GRAB ME I TRIED TO FLEE IN THE VEHICLE AND HE BEGAN TO PURSUE ME AT XXXX  MILES AN HOUR HEADING XXXX  ON THE XXXX. 
He has harassed all of us and as well as my family and friends even causing me to lose my job at XXXX XXXX when he began to harass my bosses and coworkers. He has almost had me kicked out my place of residence, shown up to my new job and harassed my new coworkers aswell. 
I am scared for my life and scared for the safety of my loved ones. He Refuses to release my property to me after Repossessing the truck and threatened to have me arrested for lies he is willing to fabricate, I have informed XXXX XXXX that this Gentleman has endangered my life the night he chased me on the freeway and endangered my loved ones lives when he came around with his aggressiveness behaviors. 
They have ILLEGALLY RELEASED PERSONAL INFORMATION about my personal matters. 

I AS A AMERICAN CITIZEN HAVE THE RIGHT TO SAFETY AND LIVE FREE FROM HARASSMENT AND TREATED RESPECTFULLY ACCORDING TO THE LAW DEBT COLLECTORS SHOULD BE FOLLOWING THE FEDERAL TRADE COMMISSION REGULATIONS FOR REPOSSESSION. 

THIS DEBT COLLECTOR ACTED UNDER A FALSE NAME, CHASED ME IN HIS TOW VEHICLE WHICH ENDANGERED MY LIFE, AND USED LIES OF JUDICIAL PROCEEDINGS TO TRICK PEOPLE HE CAME INTO CONTACT WITH. 
HERE VIOLATED THE ANTITRUST LAWS AND CAUSED ME TO LOSE MY JOB, AND CAUSED THE SEPARATION OF MY SPOUSE, WHICH IS ALL VIOLATIONS OF THE FEDERAL TRADE LAW ... 
These are all FTC laws that can not be violated, but WERE VIOLATED ... 
I AM IN THE PROCESS OF OBTAINING VIDEO PROOF OF ALL MY CLAIMS TO VALIDATE MY CLAIMS. 

I REQUEST THAT ALL MY ACCOUNTS BE REMOVED FROM MY CREDIT REPORT AND MY COSIGNERS CREDIT ASWELL I have also followed all of the steps and procedures to have the fraudulent or incorrect hard inquiries removed from my credit report I hand wrote every single hard inquiry I disputed and mailed it in to all three of the credit bureaus I did exactly what I was supposed to Therefore I would like for all the hard inquiries to be removed immediately from my credit report because I have done what I have been instructed to do but yet have Have Nots received any professionalism from any of the three credit bureaus and I would like you to file the dispute with all three of the bureaus XXXX XXXX  and Experian immediately and have all this in fixed immediately because it is affecting my life and during this pandemic I need my credit to be where it should be back up in the XXXX like it should be this is ridiculous that there is so many mistakes on my credit report please dispute this and file this complaint with all three of the credit bureaus and have it fixed immediately file my complaint with XXXX, XXXX, Experian I would like ALL THESE FIXED OR REMOVED COMPLETELY FROM MY CREDIT REPORT

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