Consumer complaint: REGARDING -Experian DEROGATORY REPORTING BY XXXX XXXX has refused to provide answers to questions requested by me and my attorney to support the reporting of derogatory information to Experian regarding an alleged debt to my account. 
On or about XXXX XXXX unauthorized charges were made to my XXXX XXXX credit card ( by XXXX. ) If XXXX mailed statements they were sent to an incorrect mailing address. Additionally, any contact information XXXX had on record, including my email, work address and phone number were incorrect as well. 
I discovered this in XXXX XXXX when I reviewed my credit report. I noticed XXXX put derogatory remarks regarding late payments made to XXXX on my Experian credit report. In response, on XXXX XXXX, XXXX, I called XXXX and spoke with their representative XXXX and I explained to him my situation. XXXX confirmed that XXXX did not have any current contact information. I told him that I did not have possession of a valid XXXX credit card, never activated a new credit card and have not received statements for quite some time, because I stopped using the card. 
I provided XXXX my current address and contact information as well as requested that my XXXX account be cancelled. After we spoke about the balance on my card, XXXX put me on hold and spoke with a supervisor. When he got back on line he told me my card would be cancelled and that all charges and late fees on my account would be removed. Since XXXX is not a philanthropic organization I am sure they realized this situation was just a big mistake and not my fault so their reversing of all charges was the appropriate action to take. 
XXXX of XXXX, I filed a dispute with the XXXX credit bureaus regarding the late payments reported by XXXX. In my letter I explained to Experian that XXXX determined no legitimate charges were made, no balance was ever due and no payments were necessary or required. In my letter I asked Experian to remove all derogatory reporting regarding late payments. I was surprised that in XXXX 's response to my letter, dated XXXX XXXX, XXXX ( Attachment # XXXX ) XXXX stated that the information reported to the credit agencies accurately reflects my account history and the reporting can not be changed. 
Again, On XXXX XXXX, XXXX I sent another letter to XXXX and Experian, ( Attachment # XXXX ) requesting XXXX to explain how they can legitimately report late payments ( now 90 days ) to an account where all charges were reversed, no balance was due and no actual payments were ever made. In XXXX 's response dated XXXX XXXX, XXXX they stated that the information they reported to the credit agencies accurately reflects my account. Additionally, ( XXXX ) did not provide the information I requested regarding how my account balance was reduced to XXXX and how a payment on can be considered late on a XXXX balance owed ( Attachment # XXXX ). 
As a result of XXXX 's refusal to provide verification of debt or how the balance due was paid, on XXXX XXXX, XXXX my attorney XXXX XXXX XXXX sent a letter to XXXX and Experian, Requesting verification of all legitimate charges to my account and to verify the nature as to how the debt was satisfied. ( Attachment # XXXX ) Again, XXXX sent a ( form letter ) reply dated XXXX XXXX XXXX, stating that the information reported to the credit agencies accurately reflects my account history. XXXX and Experian refused to answer any questions ask by my attorney. They did not verify proof of a debt and did not provide copies of the information sent to Experian in response to my dispute. ( XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response