Consumer complaint received 2020-04-11
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX Dispute History XX/XX/XXXX : Sent my First dispute to Experian disputing XXXX XXXX to be verified. Experian did not do her due diligence and reported account was verified. I dont know who XXXX XXXX XXXX is and how do they claim that I owe them any money. 

XX/XX/XXXX : I sent a Validation of Debt letter to XXXX XXXX XXXX requesting them to validate and prove that this debt is actually mine and I owe it to anybody. There was never a communication sent to me prior to this by XXXX XXXX XXXX about it. 

XX/XX/XXXX : XXXX XXXX sent me a supposed name of medical company that I owed it to them and so I owe it XXXX XXXX XXXX also. Like I was or my life was like an animal being sold from one to another without even my knowledge or any say to it. 

XX/XX/XXXX : Sent 2nd Request to Experian disputing XXXX XXXX to be verified by actually investigating by a human instead of just computers matching addresses or just verifying addresses only by furnisher. Or emailing to XXXX XXXX XXXX is it verified? Of course, getting the answer from the furnisher that yes, it was verified. Instead of actually requiring the furnisher to provide an actual proof. 

XX/XX/XXXX : I sent another letter to XXXX XXXX to send me the proof of this debt, an agreement between me and XXXX XXXX XXXX proving that this actually belong to me instead of just a name and address of some medical company. Or some credible documentation with my name as owing and their name as the owner of this debt and me agreeing or accepting that it actually happened. 

XX/XX/XXXX : I received the reply from the furnisher that their erroneous reporting to my consumer report/file letter was a correct report. 

XX/XX/XXXX & XXXX : I decided to investigate it myself and called supposed medical group claimed by XXXX XXXX XXXX named XXXX XXXX XXXX XXXX and requested them to find my supposed debt, providing them my name, date of birth and social security number. I called at least 4 different times to different numbers and billing/accounting services of XXXX XXXX XXXX XXXX and spoke to 4 different customer service representatives but none of them could locate anything related with my DOB or SS # or my name. Proving my point that this debt is not mine. 

Since Experian makes money by selling consumers information as well as Debt Collection companies rob consumers blind by harassing them over the phone or through letters or reporting it to their consumer profiles erroneously therefore, no actual investigation was completed. 

Even for small crimes or civil litigations courts or responsible parties are given the rights to be NOT GUILTY until proven but surprisingly any debt collector can claim and ruin American citizens lives adversely. 

As of XX/XX/2020 its been over 30 days since I have contacted both the Furnisher and CRA : XXXX XXXX XXXX and Experian to remove this account from my consumer file/report nothing has been done to actually take actions. 

Specially, Experian being a CRA bears a bigger responsibility in it because it was their responsibility to question the validity of information provided by furnishers before XXXX   consumers lives over and over. 

I shall sue Experian in local court here in XXXX XXXX with DA and as well as small business courts to practice my rights and because i gave enough chances both the furnisher and reporting agency to remove this erroneously reported account.

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