Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX, I reviewed my credit report and found several inaccuracies related to accounts, inquiries, addresses, and a medical bill that were either unvalidated or improperly reported. I have no knowledge of the information being reported, and these entries must be removed as they violate consumer protection laws. Additionally, the original creditors sold my personal information to third-party collection agencies without my consent, which is a violation of the law. 

XXXX. XXXX XXXX ( Account # XXXX ) reported an open collection for {$800.00} from XXXX XXXX. I was never notified about this debt, and no documentation has been provided to validate its legitimacy. This is a violation of the Fair Credit Reporting Act ( FCRA ) Section 609, as the creditor has not provided the required information to verify the debt. I have no knowledge of this debt being legitimate. Furthermore, XXXX XXXX sold my personal information to XXXX XXXX without my authorization, which violates FCRA Section 604, which regulates the permissible purposes for obtaining or sharing consumer information. 
XXXX CREDIT COLL ( Account # XXXX ) reported a charged-off account with a balance of {$150.00} from The XXXX XXXX XXXX XXXX Despite previous attempts to dispute this account, the creditor has not corrected or removed the entry, violating FCRA Section 611, which mandates that disputed items be investigated and updated or removed within 30 days. This is an account I have no knowledge of, and it should not be reported. Additionally, The XXXX XXXX XXXX sold my personal information to CREDIT COLL without my permission, in violation of FCRA Section 604. 
XXXX. XXXX ( Account # XXXX ) reported a collection for {$4000.00} from XXXX XXXX XXXX. I did not receive any notification or validation for this debt, which is required under the Fair Debt Collection Practices Act ( FDCPA ) Section 809. The failure to validate this debt means it should not be on my credit report, and I have no knowledge of this debt being legitimate. Moreover, XXXX XXXX XXXX sold my personal information to XXXX without my authorization, violating FCRA XXXX XXXX. 
XXXX. XXXX XXXX XXXX ( Account # XXXX ) reported an open collection for {$750.00} with XXXX XXXX XXXX XXXX. This is a medical bill, which according to FCRA Section XXXX ( c ) ( XXXX ), should not be reported on a consumers credit file. The XXXX Surprises XXXX and recent changes in credit reporting prohibit the reporting of certain medical debts. Additionally, XXXX XXXX XXXX XXXX sold my personal information to XXXX ACCT XXXX without my consent, which violates FCRA Section 604. This debt should be immediately removed as it violates consumer protection laws regarding medical debt and unauthorized sharing of personal information. 

Inquiries : XXXX XXXX ( XXXX Date : XX/XX/XXXX ) - This inquiry was not authorized. I request it to be removed as it violates FCRA, which requires consumer consent for inquiries. 
XXXX Card ( Inquiry Date : XX/XX/XXXX ) - I did not authorize this inquiry, and it should be removed from my credit report for non-compliance with FCRA Section 604. 

Addresses : The following addresses listed on my credit report are incorrect and need to be removed : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I request the immediate removal of these inaccurate entries, inquiries, addresses, and the medical bill due to the failure of these creditors to comply with FCRA Section 609, FCRA Section 611, FCRA Section 604, FDCPA Section 809, and the regulations surrounding medical debt reporting under the FCRA. The unauthorized sale of my personal information to third-party collection agencies is a serious violation, and these entries should be removed immediately.

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