Consumer complaint received 2024-07-04 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: TX

Complaint narrative:
I have already reached out to all the Credit Reporting Agencies, for removal of inaccurate information on my credit report. I have already stated that I did NOT give permission to furnish any information on my credit reports. I have already stated several USC violations, failure to verify this information accurately the first time the Debt Collector XXXX XXXX XXXX, filed on my consumer report, has caused me harm, unnecessary stress, a decreased credit score, affecting my consumer purchasing power. I have already contacted XXXX, XXXX, Experian about this problem, receiving a response that this account specifically has been verified. I am again requesting a review of this account because this account does NOT belong to me. Patient Name and DOB is not my own, I did NOT give consent to this Collection Agency to report any kind of information on my consumer report, I did NOT give this Agency any of my personal information such as my Social Security Number, or any other NON-public information. 

I pulled my annual credit report from Experian, XXXX, and XXXX on XX/XX/year>. I disputed this charge from XXXX XXXX XXXX in the amount of {$660.00}. I received a letter from Collection Agency XXXX XXXX XXXX, XXXX, stating Debt Verification Form. I did NOT give this company any information, as I did NOT even know this was on my credit reports. Patient 's name is NOT my own. On all 3 of my Credit Reports the Debt Collection is listed as XXXX XXXX Co mailing address XXXX XXXX XXXX XXXX XXXX XXXX PA. The letter I received in the mail has an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX. This is inaccurate information that these Debt Collection Agencies are reporting on my Credit Reports without my permission, as I never gave them my personal information such as Social Security Number, DOB, etc. This negative reporting is currently hurting my Credit Score, causing me unnecessary stress, infringing on my Consumer Rights. I am requesting immediate removal YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. I have not supplied proof under the doctrine of estoppel by silence. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  are in violation of the following law when my nonpublic personal information was shared infringing upon my rights as a protected consumer. 15 U.S. Code 6801- Protection of nonpublic personal information The violating party ( s ) is not in accordance with any and all laws regulating disclosures in these protected consumer/investor events. These actions have caused serious harm in the midst of my financial reeducation and addressing the negatives of my consumer credit report. I believe my experience is indistinguishable from identity theft and negligence of the consumer reporting agencies. Due to my current credit status being XXXX by the harmful violations of these two companies, I have not been able to enjoy my rights to do business nor enjoy products or service acquired by my credits held in trust, by way of applying with my social security card. 

All 3 Credit Reporting Agencies have reported inaccurate information.

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