Consumer complaint received 2017-05-13
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is the  XXXX  time I am submitting this complaint. The original complaint # is  XXXX  and Experian REFUSED TO RESPOND because my identification was not uploaded even though they have a copy of it from the disputes I 've been sending every single month as well as it does NOT state on here that I must submit my identification to receive a response. I consider this negligence. They refuse to assist me when I call them, they refuse to investigate the late payment on my account even though I know for a fact that I paid on time and that 's a violation of sectio n 1681 - they  are required to go beyond the original source of information to ascertain that what they are receiving from the furnisher is true and correct. All they 're doing it sending a  XXXX  code to    XXXX   XXXX   a nd when they say it 's been " verified '', they think their job is done! The burden of proof of on THEM and not me! They also have n't legally verified this southwest account, which I have no clue what it is and nothing was sent to me. How is this even legal?     My complaint is as follows : This is my  2nd  attempt to get this rectified with your organization in regards to these  XXXX  accounts reporting on my credit file. I am making complaints against  XXXX , Experian and "  XXXX   XXXX  '' for reporting an unverified debt. I have no idea why these  XXXX  accounts are on my credit file and where they originated from . I c ontinue to receive auto-responses that this has been " verified '' and at no time have I ever received any agreement or contract with my signature on it verifying that I ever agreed to pay or owe this debt! What this means is that anyone can state that any consumer owes them money and it 's taken at face value with no consequence or proof! This means that I can send a collection agency a claim that whoever is reading this owes me {$2000.00} and the bureaus will believe it when that company says that it has been verified and that 's the end of the story. It does n't work like that. Congress states that the only legal proof is firsthand knowledge which means having the actual documentation in their hands. If that were true, there would n't be such as issue in regards to validating this. In addition, I 've had to dispute with this company at  XXXX  separate addresses because the address listed on my credit file is not valid and was returned. I have only received  XXXX  letter from  XXXX   XXXX  and it was from a different address than what is listed on the report. Therefore, I disputed with them at that address via certified mail ( each time ) and at no time have I ever received any other correspondence. Because they are not replying to me at all, this means that I am right and do not in fact owe any money to them. If I did, they would immediately send me the proof of this and back it up! The bureaus have disregarded my request for method of verification, procedures used to verify this debt and have willfully told me that this has not been disputed for the past 3 months even though I have faxed it to them as well as sent in the mail.  I  can also see on experian.com and  XXXX  that the status of this account continues to change from in dispute to not, so I do know that my disputes are being received.

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