Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for multiple violations under the Fair Credit Reporting Act ( FCRA ) and for the unauthorized reporting of medical information in violation of my rights under the Health Insurance Portability and Accountability Act ( HIPAA ). 

XXXX. FCRA Violations : - Experian has inaccurately reported several items on my credit report, which is in violation of my rights under the FCRA. Specifically : - Incorrect Name and Employment Information - Erroneous Addresses : - XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX - Reported XX/XX/XXXX - XXXX XXXX XXXX, XXXX, GA, XXXX - Reported XX/XX/XXXX - XXXX XXXX  XXXX XXXX XXXX, XXXX, GA, XXXX - Reported XX/XX/XXXX - Inaccurate reporting of Credit Cards, Auto Loans, and Other accounts : Credit Cards : -XXXX  XXXX - Account Number : [ Account Number ] - Reported : XX/XX/XXXX - Balance : {$670.00} ( Credit limit : {$500.00} ) - Remarks : Account Previously In Dispute - Now Resolved - Reported By Subscriber - XXXX XXXX XXXX XXXX - Account Number : [ Account Number ] - Reported : XX/XX/XXXX - Balance : {$560.00} ( Credit limit : {$300.00} ) - Remarks : Account Closed At Credit XXXX XXXX Request - XXXX - Account Number : [ Account Number ] - Reported : XXXX XXXX, XXXX - Balance : {$0.00} ( Credit limit : {$120.00} ) - Remarks : Unpaid Balance Reported As A Loss By XXXX XXXX - XXXX XXXX XXXX - Account Number : [ Account Number ] - Reported : [ Date ] - Balance : {$0.00} ( Credit limit : {$120.00} ) - Remarks : Account Closed - Auto Loans : - XXXX XXXX XXXX XXXX Account Number : [ Account Number ] - Reported : XX/XX/XXXX - Balance : {$13000.00} ( Highest balance : {$24000.00} ) - Remarks : Account Was Delinquent 90 Days Past Due Date/now XXXX Or 60 Days Past Due Date - XXXX XXXX XXXXXXXX - Account Number : [ Account Number XXXX XXXX Reported : XX/XX/XXXX - Balance : {$0.00} XXXX Highest balance : {$16000.00} ) - Remarks : Account Legally Paid In Full For Less Than Full Balance - Other : - XXXX* - Account Number : [ Account Number ] - Reported : XX/XX/XXXX - Balance : {$1800.00} ( Highest balance : {$2000.00} ) - Remarks : This Is An Account In Good Standing - XXXX XXXX XXXX - Account Number : [ Account Number ] - Reported : XX/XX/XXXX - Balance : {$3100.00} ( Highest balance : {$3100.00} ) - Remarks : This Is An Account In Good Standing - XXXX - Account Number : [ Account Number ] - Reported : XX/XX/XXXX - Balance : {$0.00} ( Highest balance : {$530.00} ) - Remarks : Account Closed 2. **HIPAA Violation : ** - XXXX has improperly included medical account information on my credit report without authorization, which is a violation of my rights under XXXX XXXX 


XXXX. Request for Compensation : - Due to the severity and ongoing nature of these violations, I request compensation for the financial hardship caused by Experian actions. Specifically : - {$1000.00} compensation per account for each FCRA violation. 
- {$1000.00} per day for each day XXXX continues to report false and damaging information, in accordance with FCRA provisions. 

XXXX. Documentation : Enclosed with this letter are copies of supporting documents, including but not limited to identification, proof of addresses, and evidence of the inaccuracies reported. 

I kindly request that the Consumer Financial Protection Bureau investigate these matters promptly and take appropriate action against Experian to rectify these violations. Additionally, I request a written response detailing the actions taken to resolve these disputes and the compensation requested. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX