Consumer complaint received 2019-04-26
Company: Experian Information Solutions Inc.
State: IL
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:
XX/XX/XXXX I noticed errors on credit report and I disputed with Experian information services concerning two accounts " XXXX  XXXX XXXX  " and " XXXX XXXX XXXX ''. Experian stated they verified these accounts so I sent a debt validation to both " XXXX XXXX XXXX " and " XXXX XXXX XXXX ". Neither company was able to validate these debts or provide any original documentation. I also sent Experian evidence proving the debts they were reporting were false and therefore needed to be removed. However Experian continued to report false information which is illegal. I have provided all the documents to prove my case. To say they verified these debts is unlawful and shows they're intentionally reporting this debts to harm my credit score. I have PROOF that these debts are not valid. They never did an investigation but only " verified '' they debts through XXXX with NO supporting documentation. Experian is reporting {$16000.00} in debts with no PROOF or documentation how is this possible? this ruins peoples lives and Experian needs to be held responsible I provided specific details of why these companies were false and needed to be removed. 

( XXXX XXXX XXXX XXXX ) - I do not owe {$6500.00} and this is not my debt. I disputed with the collection agency and they sent me a balance sheet with a {$6500.00} lease termination fee for XXXX which is false. The balance sheet was not authorized ; it doesn't have a signature. I signed a Right to cancel form ( sheet B ) therefore I did not have a XXXX lease, proving that this debt is false. There is no way this debt could have been verified. This has been removed from my XXXX report. Reporting this false debt, it is in violation of the FDCPA and FCRA. THERE IS NO WAY EXPERIAN VERIFIED THIS DEBT. I have attached PROOF that i do not owe this debt and it shouldn't be reported. 

( XXXX XXXX XXXX ) - I do not owe {$9700.00} and have no knowledge of where this account came from. I never had a written agreement or payment arrangement with this company or creditor. This is a false account and can not be verified. When I asked XXXX to validate the debt they sent a balance statement with fraudulent charges ( Sheet A ) and could not provide a contract baring my signature needed to verify these charges There was no way Experian was able to validate this debt. There is no supporting documentation. Also a collection account can not be closed and have failed monthly payments. That is a violation of the FDCPA. Experian never did a investigation. You can't verify a {$9700.00} debt through XXXX with no supporting evidence this has affected me financially, mentally, and emotionally. I'm not able to move forward with my life because Experian doesn't verify debts on consumers 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