Consumer complaint received 2017-09-08
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This complaint is against XXXX, Experian, and XXXX. I have been locked out of all online dispute services even though I belong to several sites I am being billed for to access my credit reports. Recently, I spoke to Experian about completely removing some third party billers from my credit report. These people have been paid. They verbally agreed to remove the accounts after they were paid. 

The below items were sold to a third party biller. This means that the original creditor has written off said " debt. '' This constitutes a " contract was cancelled '' situation which means that the dispute reason should be " NO CONTRACT '' in each case. This is the law. 

XXXX XXXX XXXX has no right to collect money from me, or be listed on my credit report ( Experian XXXX XXXX ). XXXX was paid in full. That is the original creditor. This is illegal. 

XXXX was paid in full. They promised to take the collection off of my XXXX credit report. 

A XXXX XXXX public record is on my XXXX credit report. These dishonest people were paid by in XX/XX/XXXX. They took it off of my Experian credit report and put it on my XXXX Please remove this. It keeps me from getting credit cards. 

XXXX University was paid in full in XX/XX/XXXX to a third party collection agency. It is illegal for them to be listed on my XXXX credit report. 

XXXX XXXX is also on several of my credit reports after being paid off, and promising to delete the accounts. 

XXXX Obtained information in violation of HIPPA even though I never knowingly signed the right for them to obtain hospital records and try to collect money from me. The hospital had XXXX, regular insurance, and XXXX. They did n't even try to bill the remainder to XXXX. 

XXXX XXXX- They are listed on my credit reports along with a third party biller. If this is not illegal I do n't know what is. 

XXXX XXXX XXXX XXXX This third party biller is the company that XXXX XXXX wrote off my debt on its taxes to. This constitutes a This constitutes a " contract was cancelled '' situation which means that the dispute reason should be " NO CONTRACT '' in each case. This is the law. 

Financial Recoveries- Obtained information in violation of HIPPA even though I never knowingly signed the right for them to obtain medical records from my dialysis clinic and try to collect money from me. The clinic, XXXX XXXX had XXXX, regular insurance, and XXXX. They did n't even try to bill the remainder to XXXX. 

Public record- XXXX XXXX XXXX I paid this in full in XX/XX/XXXX. They verbally agreed to move this from my credit report. They took it off of my XXXX and Experian. However they sneaked back later and put this on my XXXX credit report. It must be deleted because it caused me to get turned down for credit card offers.

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