Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have previously sent disputes regarding this matter numerous times since XXXX of XXXX. I have received letters from the companies demanding payments and threatening to sue. Every time I review my credit report, it is drenched with inaccurate misleading information that has YET to be VALIDATED or what METHOD OF VERIFICATION has yet to be provided. I provided my only accurate address and I want my disputes sent to the SAME address, which will also be provided within this complaint. The following accounts have multiple FCRA VIOLATIONS that are subject to a fine of {$XXXX} each, and I am prepared to seek litigation for the pain and suffering that this inaccurate misleading information has caused me. The reporting of the accounts listed below has violated FCRA Section 607 which requires that only accurate information be reported in a consumers credit report : PLEASE REMOVE ALL THE PREVIOUS EMPLOYERS AND ADDRESSES reported by XXXX, XXXX, and XXXX. 
The alleged account for XXXX XXXX- ( XXXX ) is reporting inaccurate and invalid information on my consumer credit report. You have a grave responsibility to report consistent information and you are NOT. I have requested VERIFICATION of the alleged debt numerous times and over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and the Fair Debt Collection Practice Act XXXX XXXX XXXX. It has become increasingly clear that they are being willfully negligent in rectifying my affairs. The open dates on this account does NOT match across all XXXX bureaus. There is also a lingering balance which is also impossible if the account was charged off to another alleged creditor. The high credit, last reported, and last payment is all once again reporting differently across the bureaus. These are all VIOLATIONS according to FCRA XXXX XXXX. 
The account for XXXX- ( XXXX ) is also reporting different account statuses across the bureaus. You have a grave duty of reporting consistent accurate information, and you are NOT. The opening and closing dates do NOT match, the last payment dates are inconsistent, along with this account having a balance and it was supposedly charged off. Once again, its impossible to have different information reflecting for the SAME account. If the account was closed, there should NOT be a balance left on the account. Thats a violation. 
The account for XXXX  XXXX ( XXXX ) is in violation. It is impossible to have different information reflecting for the SAME account. The opening dates across the bureaus are all different. The account was charged off but it still reflects a balance for the account. The high credit limit, dates last reported, dates last active, last payment dates are all INCONSISTENT. XXXX is not even reporting this information at all. How is two reporting and not three. This one account has multiple violations, and per FCRA I am entitled to {$XXXX} per violation. 
The account for XXXX CREDIT- ( XXXX ) has multiple violations as well. XXXX is reporting that the account is a collection/charge-off but the report reflects a balance. Thats a violation. The payment history is reporting inaccurately. XX/XX/XXXX it shows on my report that the payment was 30 days late and XX/XX/XXXX it shows the payment was 90 days late and XX/XX/XXXX it shows 120 days late. How is that possible? You cant skip 60 days and still think the information is correct. Thats inhumanly impossible. The other two bureaus account statuses are inaccurate. 
The account for XXXX XXXX- ( XXXX ) has many violations and inaccuracies. The opening dates for the account reflects differently across the bureaus. You have a grave responsibility to report consistent information and you are NOT. This is XXXX. This account is reporting multiple open and closed dates. It is impossible to open or close the SAME account on DIFFERENT dates. This is a VIOLATION, as you are once again reporting inconsistent information. The late payments are also inconsistent. The same account can NOT be on-time and late at the same time, so why am I reported late with XXXX and XXXX and not XXXX? ANOTHER violation! XXXX shows XX/XX/XXXX was 60 days late, XXXX through XX/XX/XXXX both months were 30 days late which is NOT possible. XXXX months back to back cant be late for the same thing. XX/XX/XXXX says 60 days and XXXX reflects XXXX while XXXX reflects XX/XX/XXXX through XX/XX/XXXX both months 30 days late, February 60 days, and XXXX doesnt reflect anything. How is this possible at all? At this point, your company is very careless and inconsiderate. These type of reports puts me in a danger situation where I am fearing for my life. 
XXXX- ( XXXX ) has inaccurately reported on my consumer credit report. It shows the account was opened on XX/XX/XXXX which is incorrect. The balance is reflecting {$XXXX}, which is incorrect. I have sent numerous letters expressing, that they have violated my XXXX rights. The fact that this was from the emergency room, they have violated my rights. I am allowed under the XXXX XXXX Portability and Accountability Act ( XXXX ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the XXXX does allow the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request was twofoldvalidation of debt and XXXX authorization. I demanded they provide me with a breakdown of fees including any collection costs and medical charges, provide a copy of my signature with the provider of service to release my medical information to you, and to cease any credit bureau reporting until the debt has been validated by me. 
XXXX XXXX ( XXXX ) is reporting on XXXX different accounts, false and inaccurate information. The amounts and the opening dates are all reported differently across XXXX, XXXX, and XXXX. I have demanded several times that they furnish me with sufficient proof of a thorough investigation, nor have I been provided with sufficient verification that I owe or have any obligations to this account. I demanded to see the ORIGINAL signature bearing contract showing my signature, from the original creditor. I still have not received it. 
XXXX- ( XXXX ) is in violation of my consumer rights. The bureaus have a grave duty of furnishing an accurate reporting per FCRA. I am fully prepared to seek litigation for each violation clocking in at {$XXXX} per violation. This account is reporting multiple open and closed dates. It is impossible to open or close the SAME account on DIFFERENT dates. This is a VIOLATION, as you are once again reporting inconsistent information. The late payments, last reported, and last active are also inconsistent. How does XXXX bureau report XXXX days late for XX/XX/XXXX through XX/XX/XXXX while the other bureaus reports XX/XX/XXXX through XX/XX/XXXX XXXX days late? Thats impossible. DELETE IMMEDIATELY! 

According to 15 U.S.C 1681 ( a ) a consumer report does not include any information as to transactions or experiences between the consumer and the person making the report. You are violating 15 U.S.C 1681 by reporting information in regard to my experiences with the people making the reports to you about me. REMOVE ALL COMMENTS in reference to my experiences with the person making the report and ALL LATE PAYMENTS, as this is also a violation. No one should know the details in regard to the transactions and experiences between me, the consumer, and the person who made the report to you. Furthermore, according to 15 U.S.C 1681a ( 2 ) a ( iii ) it must clearly and conspicuously be disclosed to the consumer that the information will be shared, along with the option to opt out which I was never offered. This is also a violation. Due to the fact, I was never given the option to opt out of my information being shared with any third parties, I am demanding the removal of ALL negative information from my report for the above-named accounts. According to 15 U.S.C 6802 ( b ) a financial institution may not disclose to a non-qualified 3rd party without giving the consumer the option to direct such information not to be disclosed nor was I provided an explanation of how I can exercise the nondisclosure option. According to 15 U.S.C 1681 ( a ) ( 1 ) the banking system is dependent on fair and accurate reporting of consumer data. You have diminished the value of my credit reports by reporting inaccurate information, deeming my reports invaluable to me. This directly impairs the efficiency of the banking system and is a violation. I am demanding that all violations in regard to my consumer report be removed and updated report be sent to the address on file, as well as my updated report sent to anyone that has pulled my credit in the last 12 months.

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