Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am writing to file a formal complaint and dispute regarding the handling of my credit report by [ XXXX XXXX XXXX I have contacted each of the XXXX credit bureaus, as well as the companies associated with the accounts listed below, and have not received any response or resolution. This lack of response and follow-up violates my rights as a consumer under federal law. The contact dates were XXXX XXXX and XXXX XXXX

Attached to this letter, you will find a complete description of what has occurred with each account, including supporting documentation and dispute letters I have sent. My complaint involves several types of accounts, including medical debt, student loans, rental obligations, phone bills, and XXXX XXXX. 

The specific accounts in question are listed below : XXXX. {$680.00} XXXX XXXX XXXX XXXX Incorrect billing, account transferred to a third party without my consent. 
Violation : Failure to provide debt validation. 
XXXX. {$760.00} XXXX XXXX XXXX : Incorrect billing discrepancy. 
XXXX. {$1000.00} XXXX XXXX : Paid and closed, never late, yet inaccurately reported as derogatory. 
XXXX. {$1000.00} XXXX XXXX XXXX XXXX : Incorrect billing, failure to provide debt validation and assignment letter. 
XXXX. {$440.00} XXXX XXXXXXXX XXXX. 
Issue : Incorrect billing, failure to provide debt validation and assignment letter. 
XXXX. {$1000.00} XXXX XXXX XXXXXXXX XXXX 
Issue : Failure to validate the debt and provide an assignment letter. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} {$2000.00} {$2300.00} {$1000.00} {$1900.00} Issue : Inaccurate reporting ; no response to my debt validation request. 
XXXX. {$980.00} XXXX XXXXXXXX XXXX XXXXXXXX : Paid and closed, never late, but inaccurately reported. 
Violation : Failure to provide an assignment letter. 
XXXX. {$780.00} XXXX XXXX XXXX XXXX XXXX : Failure to provide an assignment letter and validate the debt. 
XXXX. {$6400.00} XXXX XXXX XXXX XXXX : Paid and closed, but inaccurately reported. 
Summary and Complaint These accounts remain on my credit report despite my repeated attempts to dispute and resolve the issues with the credit bureaus and the original creditors. I have provided each company with debt validation letters requesting proof of debt ownership, billing accuracy, and assignment agreements. To date, none of these companies have responded appropriately or provided the requested information. 

I am requesting a formal investigation into these matters and demand that the inaccurate information be removed or corrected on my credit report immediately. The lack of response from both the creditors and the credit bureaus is a violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ).

Requested Action Remove or correct all inaccurate and unverifiable information associated with the listed accounts. Delete negative accounts from credit report.

Provide a written response detailing the outcome of your investigation. 
Ensure compliance with federal regulations regarding credit reporting and dispute resolution.

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