Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: IL
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:
Experian keeps reporting collection accounts that I have no knowledge of, have not received any notification, and have not been verified. The reporting of these accounts by Experian is in violation of federal law, in that these accounts violated The Fair Credit Reporting Act, FCRA, Health Insurance Portability Accountability Act, HIPAA and the illegal practice of parking a debt XXXX XXXX XXXX reported account # XXXX to Experian without prior notification, a clear violation of FCRA. I disputed this account with Experian and within a four-week period, verified this account as meeting FCRA standards. This is totally incorrect, when I contacted XXXX XXXX XXXX and they could not provide information or validated this account. XXXX XXXX XXXX removed this account from my credit report, see attachment. But as of the writing of this letter Experian shows the status of this account as REMAINS. Why is this? Is it because this account is link to XXXX XXXX XXXX? 

XXXX XXXX XXXX reported account # XXXX to Experian without prior notification, a clear violation of FCRA. I disputed this account with Experian and within a 12-day period, verified this account as meeting FCRA standards. This is totally incorrect, when I contacted XXXX XXXX XXXX, while they did not respond to my letter, they did remove this account from my credit report. See attachment receipt of delivery. Experian shows this account as inactive. 

XXXX XXXX XXXX reported account # XXXX to Experian without prior notification, a clear violation of FCRA. I disputed this account with Experian and within a four-day period, verified this account as meeting FCRA standards. This is totally incorrect, I contacted XXXX XXXX XXXX, by certified mail, and refused to sign delivery receipt, see attachment. According to the United State Postal Service when this happens, receipt will show left with individual. Why would XXXX XXXX XXXX XXXX to sign receipt of delivery? Fair Debt Collection Practice Acts states they have 30 days to respond. It is very apparent by this action XXXX XXXX XXXX is in violation of the Fair Credit Reporting Act, Health Insurance Portability Accountability Act and the illegal practice of parking a debt. Experian why is this account linked to XXXX XXXX XXXX? 

XXXX XXXX XXXX is known for unethical and questionable business practices. Is a third-party debt buyer whose sole practice is pay to delete. 

All of the above listed accounts failed to provide notification, of a collection account, in violation of federal law. As stated above, are in violation of The Fair Credit Reporting Act, FCRA, Health Insurance Portability Accountability Act, HIPAA and the illegal practice of parking a debt.

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