Consumer complaint received 2017-05-18
Company: Experian Information Solutions Inc.
State: FL
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 an ongoing issue with  XXXX  and Experian.  XXXX  has resolved the issue. On  XXXX   XXXX ,    2017, I  sent a letter to  XXXX   XXXX  requesting a Chain of Title proving that THEY OWN A DEBT of which they are entitled to collect and therefore allowed to report on my credit report. They sent back a letter, but were unable to furnish any documents that verified that are in fact, the actual debt owner. Since that time I have been fighting to get this account taken off of my credit report. If  XXXX   XXXX  can not prove that they have the proper documents showing that I owe them a debt, they ca n't possibly be able to add that to my credit report. Regardless of the information that they have on me - my name, my date of birth, my social security number, account numbers, etc. - they do not have proof that I owe them anything. Does this mean that as long as I have someone 's personal information, I am allowed to report on their credit claiming that they are not paying me a debt??? No, that would not be legal. It is not legal for  XXXX   XXXX  to report on my credit report if they ca n't prove that they own a debt of which I owe. I asked  XXXX   XXXX  to prove that what they are reporting on my credit report is truly a debt as to which they own a title that I owe, and they were unable to provide that. This tells me that they have nothing showing that they own this debt and therefore I do n't owe them anything and it ca n't be legally reported on my credit report. I have the name and information and social security number of several of my family members and employees. This does not mean that I can submit information through my company to   XXXX    or  Experian and st ate that they owe me money and ruin their credit and when they file a dispute as long as I can provide   XXXX   and Experian with their personal information it will stand on their credit report? That  is EXACTLY  what is being done to me.  XXXX   XXXX  ca n't prove that they own a debt that I owe and therefore, they ca n't report it on my credit report. I have been told by   XXXX   and Experian that  XXXX   XXXX  has provided them with my name, social security number, address - all of my personal information ... HOWEVER THEY HAVE NOT PROVIDED PROOF THAT THEY OWN A DEBT OF WHICH I OWE THEM. There has not been any paperwork that proves that  XXXX   XXXX  owes  XXXX   XXXX  a dime. How can this be reported on my credit report??? If a debt ca n't be proved you ca n't just add it to my credit report. Am I able to say that  XXXX   XXXX  owes me {$50000.00} and report that on his credit??? I have his name and his soc and all of his personal information, so if you asked to me verify that I could, but I just pulled that number out of the air. There is nothing anywhere that I have that proves he owes that. I have no documents signed that I can show you, but because I have his personal information, I can report that on his credit file? Is that what you are telling me??? No way!  XXXX   XXXX  needs to be removed from my credit report immediately. They have failed to show that I owe them any money and therefore ca n't be saying that I do on 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