Consumer complaint received 2019-04-26
Company: Experian Information Solutions Inc.
State: NV
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:
Unverified Account Account Name : XXXX XXXX XXXX   Type : Collections Date Opened : XX/XX/XXXX Balance : {$1100.00} Debt : {$1100.00} Ive disputed this account information as inaccurate with Experian. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract -any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 
I have demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they have on file. Their failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they're unable to provide me a copy of verifiable proof, they must remove the account. 
I mailed a Dispute Letter to Experian. Experian responded that the account being disputed was verified as accurate without providing me with any information on who or how it was verified by. They failed to provide me with any proof that the account belongs to me. I disputed the same account with XXXX, in their investigation no evidence was found that the account belonged to me, so the account was deleted. 

Dispute Letter was sent out XX/XX/XXXX and received XX/XX/XXXX by Experian To assist Experian resolve this issue I mailed my own Request for VALIDATION, NOT Verification letter to the original creditor ( XXXX XXXX XXXX ). I requested XXXX XXXX XXXX to provide me with any proof that the account belongs to me. XXXX   XXXX XXXX never responded. 
First Letter was sent out XX/XX/XXXX and received XX/XX/XXXX by XXXX XXXX XXXX A second Request for VALIDATION, NOT Verification letter was sent to XXXX XXXX XXXX. XXXX XXXX XXXX failed to respond again. 
Second Letter was sent out XX/XX/XXXX and received XX/XX/XXXX by XXXX   XXXX XXXX. 
After XXXX XXXX XXXX failed to response after my second attempt, I mailed a Seond Dispute Letter to Experian. The dispute letter included copies of my VALIDATION, NOT Verification letters that I sent to XXXX XXXX XXXX with proof that they were sent and received Second Dispute Letter was sent out XX/XX/XXXX and received XX/XX/XXXX by Experian Attachments Include : Copy of my first Dispute Letter sent to Experian ( with proof that it was sent First Class Mail with Tracking and Received by Experian ). 
Copy of my second Dispute Letter sent to Experian ( with proof that it was sent First Class Mail with Tracking and Received by Experian ). 
Proof that the same account was investigated and deleted by XXXX. 
Copy of my first VALIDATION, NOT Verification letter sent to XXXX   XXXX XXXX. 
Copy of my second VALIDATION, NOT Verification letter sent to XXXX   XXXX XXXX.

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 non-monetary relief