Consumer complaint received 2021-12-17
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX and XX/XX/XXXX of XXXX I had issues surrounding a dispute through Experian credit bureau. 
First, it was a website error and then as I followed up on the phone on the XXXX I was able to receive the results of the dispute too quickly and they were not as they should have been. 

the debt collection companies that have been reporting me to the collection bureau namely XXXX XXXX XXXX have been giving false credit information about me to credit reporting companies including Experian, XXXX, XXXX, they have been violating the Fair Debt Collection Practices Act ( FDCPA ), which makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts. 
When the disputes are processed under my specific disputes I depicted they should have been deleted under federal law, but the credit bureau came back on both days and stated that the debt collector or company that has been reporting the inaccurate information was able to validate the debt. 

but I have never had a contract with XXXX XXXX, I have never spoken with XXXX XXXX XXXX they bought A debt from XXXX XXXX XXXX. 
they have also been reporting the same information under double recovery From what I can see, they are posting a debt and then posting the same debt again with only a difference of XXXX or so dollars less than the first time they posted it, which is drastically affecting my score and my ability to have successful credit as they seem to do this every few months or so. 

XXXX XXXX XXXX is posting debt that I'm not contractually obligated to pay to XXXX XXXX  as I have NEVER had an account with XXXX XXXX. 
I also reported that XXXX XXXX  's reports are not validated because of the fact that a debt was never had with that company, and I reported a dispute as to that none of the accounts are mine because of this and that many of those reported accounts many are also time-barred, Duplicate accounts, Data management errors, being posted under double recovery methods which are illegal, and if in fact, they were able to " validate '' any condemning information from a hospital on anyone 's behalf that would be A DIRECT VIOLATION OF MINE AND ANY OTHER PERSONS HIPAA RIGHTS. 
BUT FOR SOME REASON EXPERIAN CAME BACK AND STATED THAT THEY WERE ALL VALID. 
NO, THEY AREN'T! 
Experian is helping XXXX XXXX to abuse the system and use unfair debt collection practices. 

which under 1002.16 Enforcement, penalties, and liabilities. 
( b ) Penalties and liabilities. ( 1 ) Sections 702 ( g ) and 706 ( a ) and ( b ) of the Act provide that any creditor that fails to comply with a requirement imposed by the Act or this part is subject to civil liability for actual and punitive damages in individual or class actions. Pursuant to sections 702 ( g ) and 704 ( b ), ( c ), and ( d ) of the Act, violations of the Act or this part also constitute violations of other Federal laws. Liability for punitive damages can apply only to nongovernmental entities and is limited to {$10000.00} in individual actions and the lesser of {$500000.00} or 1 percent of the creditor 's net worth in class actions. Section 706 ( c ) provides for equitable and declaratory relief and section 706 ( d ) authorizes the awarding of costs and reasonable attorney 's fees to an aggrieved applicant in a successful action. 
Currently, Experian is in violation of these laws and practices as is XXXX XXXX XXXX. 
UNDER SECTION 609 OF THE FCRA I DID REQUEST THE CREDIT TO THOROUGHLY INVESTIGATE A DISPUTE INTO THE INACCURATE AND UNETHICAL INFORMATION AND PRACTICES OF XXXX XXXX XXXX AND AFTER EXPERIAN STATED OVER THE PHONE THAT THEY VALIDATED THE DEBT I REQUESTED A COPY OF THE VALIDATED INFORMATION I SPOKE WITH XXXX ON XX/XX/XXXX AT XXXX XXXX  SHE DENIED THAT THEY WERE ABLE, HAD TO, OR WOULD PROVIDE SUCH INFORMATION TO ME. FURTHER ALLOWING XXXX XXXX XXXX TO UTILIZE UNETHICAL AND UNFAIR PRACTICES. 


ps : a pdf version of THIS LETTER has been sent to your agency as an email as well as THE STATE ATTORNEY OFFICE AND I HAVE THE DOJ Principal Deputy Director from the Consumer Protection Branch attached to this email as well as CPSC, CFPB, FTC. 


PSS : I HAVE BEEN MARRIED FOR XXXX XXXX XXXX XXXX XXXX XXXX WHY IS THIS REPORT COMING IN UNDER XXXX IF IN-FACT, IT IS FACTUAL, LEGITIMATE, INFALLIBLE, AND EMPIRICALLY IRREFUTABLE??? 

XX/XX/XXXX AND THEN ANOTHER ONE STATES 2 DAYS LATER ON THE XXXX. I WOULD NEVER GO TO A HOSPITAL TWO DAYS LATER. 
AND NOW THAT I LOOK AT IT LAW OFFICES XXXX Account number XXXX Date opened XX/XX/XXXX FOR XXXX XXXX XXXX WHICH IS IN XXXX XXXX FL SEEMS TO BE POSTED AROUND THE SAME TIME AS XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX FOR XXXX XXXX XXXX BUT AS YOU CAN SEE FROM MY LEASE AGREEMENT THAT COULDN'T VERY WELL BE COULD IT? 

XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX FOR XXXX XXXX XXXX THAT'S TWO VISITS THEY ARE SAYING HAPPENED IN THE MONTH OF XXXX .... NO ONE IN MY BUDGET OR MONEY BRACKET IN THEIR RIGHT MIND GOES TO THE HOSPITAL THAT MANY TIMES. IM NOT ON XXXX  XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX ARE WE NOT SEEING AN METHODICAL PATTERN HERE YET? EVERY FEW MONTHS? 
I DON'T GO TO THE DOCTORS THAT OFTEN, THEY ARE MAKING UP THESE DATES AND EXPERIAN IS HELPING XXXX XXXX XXXX TO CONTINUE TO PRACTICE FRAUDULENT BUSINESS PRACTICES.

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