Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX XXXX, a collection agency, has broken several laws and have Perjured themselves multiple times since they began their efforts to collect XXXX XXXX  debts from me stemming back several years. 

I have requested validation of these accounts multiple times prior to receiving this letter ( attached from XXXX XXXX XXXX ) that clearly shows by their own account, that they never had any validation documentation in their possession for these two accounts they have been reporting against me for years, AND, XXXX XXXX XXXX XXXX have routinely broken the rules of engagement that they are required to abide by in contract with the credit bureaus ( XXXX, XXXX, and Experian ), BY Not maintaining the required validation documents in their possession, in their place of business, and this further proves that they perjured themselves to the credit bureaus time and time again when disputing my dispute of and in the request of validation that I requested from them for one : 1. supporting their even most basic right to collect these accounts against me, and it has all been lied, deception, and possibly a conspiracy with the collection bureaus.

2. Proof to me these accounts were valid before I would pay them if they were valid, and 3. My rights have been destroyed by XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX  for not supervising such events like this and allowing a rogue collection agency to operate with total disregard to federal and state laws, and 4. Not only violated many rules/laws under the fair credit reporting act, they 5. Violated HIPPA rules/laws when they gained and furnished to me through the US mail along with that letter in reference ( Attached ), what looks to be a form or what XXXX  called in that letter, and looks like a third grader prepared it in on their word processor, a document with the doctors that performed services on me, and even has the services section in clear view, but it was XXXX out thank XXXX!, But, 6. A CLEAR AND PRECISE DOCUMENT WITH HIPPA VIOLATION WRITTEN ALL OVER IT!, 7. And so several years later we finally see their failed attempt to produce validation of these accounts because the pressure was getting hot to produce and they made the worse and careless mistake ever, they 8. Violated my health information privacy rights protection. ( HIPPA ).

9. And, at the same time, threatened, coerced me and referenced laws that do not exist, in an effort to shut me up from disputing those two accounts because the big lies were coming to the surface because was and continue to be diligent in my investigations pertaining to my credit file being damaged for year 's, and in their efforts to thwart me in my endeavors, broke many many Laws, and rules, and have caused me to be sick the entire time. 

Why couldn't they be honest and do the right thing/ and they continue even today, to engage in this same behavior with no concern to even me or my health but most importantly ; state and federal laws. Not good!

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