Consumer complaint received 2025-02-07 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: FL

Complaint narrative:
I am submitting this formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and TransUnion for multiple violations of federal law, including the Fair Credit Reporting Act ( FCRA ), potential violations of the Health Insurance Portability and Accountability Act ( HIPAA ) ( if applicable ), and concerns related to identity theft. 

On XX/XX/year>, an account with a balance of {$660.00} was added to my TransUnion credit report by XXXX XXXX XXXX XXXX XXXX, allegedly related to an account from XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I have never had any financial relationship, responsibility, or knowledge of this debt. Furthermore : I have never been contacted by either XXXX XXXX XXXX XXXX XXXX XXXX or XXXX, XXXX XXXX XXXX regarding this alleged debt. 
I have never made any payments to either party, nor have I acknowledged any obligation to this account. 

Believing this to be inaccurate and potentially a case of identity theft, I filed a formal dispute with TransUnion on XX/XX/year>. Shockingly, TransUnion resolved my dispute in only 48 hours, providing their final decision on XX/XX/year>. Their investigation report stated : Weve completed your dispute, but the information was verified as accurate. Other information was also updated. 

This response suggests a lack of a proper, thorough investigation, as required under the FCRA, and fails to address the fraudulent nature of this account. 

Violations of Federal Law : 1. FCRA 15 U.S.C. 1681s-2 ( a ) : Duty of Furnishers to Report Accurate Information XXXX, XXXX & XXXX and XXXX XXXX XXXX XXXX XXXX XXXX reported inaccurate information and failed to correct it after receiving notice of the dispute. 
2. FCRA 15 U.S.C. 1681i ( a ) : Right to Dispute Inaccurate Information TransUnion failed to conduct a reasonable investigation of my dispute, as required within 30 days.

The fact that the dispute was closed in just 48 hours raises serious concerns about the adequacy of the investigation.

3. FCRA 15 U.S.C. 1681e ( b ) : Duty to Maintain Maximum Possible Accuracy TransUnion is required to ensure the accuracy of information in consumer reports, which was not upheld in this case.

4. FCRA 15 U.S.C. 1681c-2 : Procedure in Cases of Identity Theft As this is a case of potential identity theft, the account should have been blocked or removed upon my request, in accordance with this section.

5. FCRA 15 U.S.C. 1681n & 1681o : Liability for Willful and Negligent Non-Compliance The continued reporting of fraudulent information after receiving notice suggests willful non-compliance, subjecting the responsible parties to civil liability.

6. HIPAA Privacy Rule Violation ( if applicable ) Since this account involves medical debt, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX, XXXX XXXX XXXX may have violated HIPAA by improperly handling or disclosing my protected health information ( PHI ) without my authorization.

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