Consumer complaint received 2020-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

FOR XXXX 1. The high credit or original amount is being reported inaccurately and inconsistently. This is not making any sense to me why the information is totally different for each bureau report. 
XXXX Account Number : XXXX Delete this account for reporting inaccurate information. 
2. Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule. 
XXXX Account Number : XXXX REMOVE THIS MEDICAL ACCOUNT FOR HIPPA VIOLATION 3. Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule and I never gave your permission to do so. 
XXXX Account Number : XXXX DELETE THIS! 
4. Do you have authorization to report sensitive medical records to my personal credit file? 
XXXX XXXX Account Number : XXXX Your agency must provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws. Otherwise, you need to remove this from my credit IMMEDIATELY! 
XXXX. Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule XXXX XXXX Account Number : XXXX REMOVE THIS MEDICAL ACCOUNT FOR HIPPA VIOLATION 6.  Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule XXXX XXXX XXXX Account Number : XXXX Your agency must provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws. If you can't, take this off my credit at once! 
7. Your agency must provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws. 
XXXX XXXX XXXX Account Number : XXXX REMOVE THIS MEDICAL ACCOUNT IN VIOLATION OF THE HIPPA LAWS.

8. Your agency must provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws. 
XXXX Account Number : XXXX If you have no proof that you have my consent, DELETE THIS NOW! 
9. This is a collection account and should not have and balance associated with it. I am looking at a balance in the amount of {$170.00}. Why and how did that happen? 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

FOR Experian 1. The high credit or original amount is being reported inaccurately and inconsistently. This is not making any sense to me why the information is totally different for each bureau report. 
XXXX/XXXX Account Number : XXXX Delete this account for reporting inaccurate information. 
2. This is a collection account so balance should be {$0.00} but I am looking at a balance amount of {$2000.00}. It is not making any sense! 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. Do you have authorization to report sensitive medical records to my personal credit file? 
XXXX XXXX Account Number : XXXX Your agency must provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws. Otherwise, you need to remove this from my credit IMMEDIATELY! 
4. Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule XXXX XXXX Account Number : XXXX REMOVE THIS MEDICAL ACCOUNT FOR HIPPA VIOLATION 5.  Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule XXXX XXXX XXXX Account Number : XXXX Your agency must provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws. If you can't, take this off my credit at once! 
6. Your agency must provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws. 
XXXX XXXX XXXX Account Number : XXXX REMOVE THIS MEDICAL ACCOUNT IN VIOLATION OF THE HIPPA LAWS. 
7. Your agency must provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws. 
XXXX Account Number : XXXX If you have no proof that you have my consent, DELETE THIS NOW! 
8. This is a collection account and should not have and balance associated with it. I am looking at a balance in the amount of {$170.00}. Why and how did that happen? 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
9. Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule XXXX Account Number : XXXX REMOVE THIS MEDICAL ACCOUNT FOR HIPPA VIOLATION 10.  Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule XXXX Account Number : XXXX DELETE THIS! 

FOR XXXX 1. The high credit or original amount is being reported inaccurately and inconsistently. This is not making any sense to me why the information is totally different for each bureau report. 
XXXX/XXXX Account Number : XXXX Delete this account for reporting inaccurate information. 
2. Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule XXXX Account Number : XXXX REMOVE THIS MEDICAL ACCOUNT FOR HIPPA VIOLATION 3.  Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule XXXX Account Number : XXXX DELETE THIS! 
4. This is a collection account so balance should be {$0.00} but I am looking at a balance amount of {$2000.00}. It is not making any sense! 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. Do you have authorization to report sensitive medical records to my personal credit file? 
XXXX XXXX Account Number : XXXX Your agency must provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws. Otherwise, you need to remove this from my credit IMMEDIATELY! 
6. Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule XXXX XXXX Account Number : XXXX REMOVE THIS MEDICAL ACCOUNT FOR HIPPA VIOLATION 7. Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule XXXX XXXX XXXX Account Number : XXXX Your agency must provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws. If you can't, take this off my credit at once! 
8. Your agency must provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws. 
XXXX XXXX XXXX Account Number : XXXX REMOVE THIS MEDICAL ACCOUNT IN VIOLATION OF THE HIPPA LAWS.

9. Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule and I never gave you permission to do so. 
XXXX Account Number : XXXX If you have no proof that you have my consent, DELETE THIS NOW! 
10. This is a collection account and should not have and balance associated with it. I am looking at a balance in the amount of {$170.00}. Why and how did that happen? 
XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.

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