Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy, Hippa rights, and confidentiality under USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ACCOUNT NUMBER- Account # XXXX this is medical debt that I am unaware of, and never received proper notification, let alone any notification. I did not go to be seen at any hospital, or doctors office in XX/XX/2024. I in fact have insurance and wouldnt have a medical bill. 

Both accounts # XXXX Which states collection/charge off derogatory accounts such as chare-offs can not be reported if the Original Creditor charged off the debt but I did not receive a 1099 to recoup any finances. Thus indicating their removal from my profile.

If something is charged off a 1099a is sent out which means it is now income earned for the company. I can not owe on income. And this now becomes inaccurate reporting on their part. They are trying to be paid twice for the same case. I would like to exercise my right as a consumer to 15 USC 1681i ( a ) due to the nature of inaccurate reporting on my report. Also, in 15 USC 1681 ( a ) 1 it says that the banking system is dependent upon fair and ACCURATE reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Next : public records Bankruptcy I contacted the court thats presented on my report and they stated that they do not send correspondence to any outside agencies.

Which means you are reporting false information and again violating my rights. This report is also over 10 years old. Delete it and pay the violation fee.

This is false information on my credit report and I demand it be deleted as it is harmful to my credit profile, and impacting my abilities to access, fair credit. harmful to my credit profile, and impacting my abilities to access, fair credit Also my personal information is incorrect as I sent in certified mail stating my correct name and address which is in XXXX. 

No one person cant dwell in multiple homes in multiple cities.

This is a violation and I now have a right to sue for damages your agency has neglected to take appropriate action demonstrating a lack of accountability and compliance with federal, consumer protection law. 

I demand monetary Relief of {$2000.00} or I take you to small claims court for more.

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