Consumer complaint received 2018-05-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am on the verge of speaking to my attorney and filing a lawsuit against XXXX, experian and XXXX. 

I have already submitted this multiple times. I have no idea what this company is nor what they are charging me with. I sent them certified letters stating I do not owe this debt, I have no idea what it is, to please send me validation.. they have not done so. It is still reappearing on my three credit reports. They have never shown me validity of the debt and I don't know what it is. 
I have submitted previously on item XXXX and XXXX AND XXXX. I'm not sure what else to do. Documentation is attached to each of those complaint numbers. 

investigation into an existing problem We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 



YOUR COMPLAINT XXXX / XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX, XXXX I saw this appear on my credit report. I mailed request for validation by mail ( with tracking number, it was delivered ). They never responded. After the time had past, I contacted XXXX, experian and XXXX, with a certified letter ( with tracking number, it was delivered ) explaining I had requested validation of the debt, as I had no idea what is was, and that the company had no responded. Apparently then the agencies contacted the company and the company told them the debt is valid but it is not. They are in violation of the law. Experian removed the listing from my credit report. However it is still showing up on XXXX  as XXXX XXXX and on XXXX  as XXXX. I want this removed off my credit report on all three agencies immediately and also a letter from XXXX XXXX saying I have no debt with them. If they can't show me a signature page, or and itemized statement, they have to remove this. It was listed as XXXX XXXX on XXXX XXXX report and XXXX XXXX on experians report, same address, but i have filed a separate complaint for XXXXXXXX XXXX and XXXX. and XXXX XXXX but it now shows up as XXXX XXXX  / XXXX as well as XXXX They keep changing the name. 

YOUR COMPLAINT XXXX  / XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX, XXXX I saw this appear on my credit report. I mailed request for validation by mail ( with tracking number, it was delivered ). They never responded. After the time had past, I contacted XXXX, experian and XXXX, with a certified letter ( with tracking number, it was delivered ) explaining I had requested validation of the debt, as I had no idea what is was, and that the company had no responded. Apparently then the agencies contacted the company and the company told them the debt is valid but it is not. They are in violation of the law. Experian removed the listing from my credit report. However it is still showing up on XXXX  as XXXX XXXX and on XXXX as XXXX. I want this removed off my credit report on all three agencies immediately and also a letter from XXXX XXXX saying I have no debt with them. If they can't show me a signature page, or and itemized statement, they have to remove this. It was listed as XXXX XXXX on XXXX XXXX report and XXXX XXXX on experians report, same address, but i have filed a separate complaint for XXXXXXXX XXXX  and XXXX. 

OUR COMPLAINT XXXXXXXX XXXX / XXXX  XXXX XXXX XXXX XXXX, WI-XXXX I saw this appear on my credit report. I mailed request for validation by mail ( with tracking number, it was delivered ). They never responded. After the time had past, I contacted XXXX, experian and XXXX, with a certified letter ( with tracking number, it was delivered ) explaining I had requested validation of the debt, as I had no idea what is was, and that the company had no responded. Apparently then the agencies contacted the company and the company told them the debt is valid but it is not. They are in violation of the law. I want this removed off my credit report on all three agencies immediately and also a letter from XXXX XXXX saying I have no debt with them. If they can't show me a signature page, or and itemized statement, they have to remove this.

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