Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Recently, I researched my credit report, which resulted in tremendous despair. I'm XXXX XXXX XXXX. This is harmful to my health and a defamation of my character. I discovered unverifiable, incorrect, erroneous, and doubtful data that your agency did not confirm to be 100 percent accurate. In accordance with 15 U.S.C. 1681e ( b ) ( b ) Accuracy of report, When preparing a consumer report, a consumer reporting agency must take reasonable measures to ensure the utmost possible accuracy of the information about the individual to whom the report pertains.

I am aware that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ), in general, inaccurate or unreliable information must be treated as such.

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency shall ( i ) immediately delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) immediately notify the furnisher of that information that the data has been deleted or modified If you can not supply me with a copy of verifiable evidence within 15 days after the conclusion of your inquiry, you must remove the accounts and/or information specified below. Thank you for your assistance in this case. 
1. 15 U.S code 1692 ( g ) validation of debt XXXX Account Number : XXXX Please remove it from my credit report. 
2. Pursuant to 15 USC 1681 a ( 2 ) ( B ) - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) I never gave you any written consent to report anything on my consumer report. 
XXXX Account Number : XXXX Please remove it from my credit report. 
3. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
4. You are in VIOLATION of the HIPAA Act for sharing my security and privacy of health information. I NEVER given you any consent to report this. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.

5. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus Experian XXXX and XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Thank you for your cooperation

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