Consumer complaint received 2018-01-14
Company: Experian Information Solutions Inc.
State: AZ
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:
My name is XXXX XXXX. From XX/XX/XXXX-XX/XX/XXXX, I lived in various parts of XXXX XXXX, XXXX. Since XX/XX/XXXX, I have lived exclusively in XXXX, XXXX. I have recently started trying to fix my credit which has always seemed unreasonably poor to me. XXXX and XXXX XXXX, thus far, are cooperating with me. Experian, with whom I have a free account which they gave me as a result of their illegal actions in releasing my credit information ( along with that of many of others ) last year. I have classified my issues with my credit report into three different categories : ( 1 ) Medical and/or Hospital Bills that have been sold to 3rd Party Buyers of debts. For example, XXXX   XXXX XXXX reports that I owe {$560.00} to XXXX XXXX XXXX ( of whom I have never heard ) for an account opened in XX/XX/XXXX. According to their address, XXXX XXXX XXXX is based in XXXX. I submitted a dispute to Experian based upon the fact that I did not even live in XXXX at the time that the alleged debt occurred. At the end of XX/XX/XXXX, I submitted a dispute with Experian based upon this fact and asked for a full accounting and bill showing what services were received, the date and the amount. Experian refused to do so and said they did not have a 'duty '' to reinvestigate anymore than they already had. They refused to tell me what sort of " investigation '' took place and certainly did not provide me with any invoice. Instead, I kept getting told that I should " upload documents '' if I had new information. How do I give documentary evidence about something I know nothing about? In other words, how do I disprove a negative? I have this same issue with three accounts being reported by XXXX XXXX XXXX. They claim that I owe {$2500.00} on behalf of XXXX XXXX XXXX XXXX XXXX for an account opened in XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX is in XXXX XXXX, XXXX. Allegedly, I owe another {$2700.00} on behalf of the same client for an account opened in XX/XX/XXXX. Finally, the third item from XXXX XXXX XXXX is an exact duplicate of the information reported just above it with the same client, dates and exact same amount down to the XXXX. Then, I have a bill from XXXX XXXX XXXX for {$1000.00} purportedly from XX/XX/XXXX a little over a week before I moved to XXXX from XXXX XXXX XXXX. I have never heard of this hospital and feel like I would remember spending time there shortly before embarking upon a stressful move. Also, it appears this hospital is in XXXX, XXXX. I resided in XXXX XXXX XXXX, XXXX at that time. It 's unclear why I would travel to a hospital 30 miles away when my regular hospital, XXXX XXXX, was 6 miles away. Again, even though I do not now how it could be any clearer that this is a duplicate, Experian refuses to re-investigate making me wonder what sort of initial investigation, if any, they performed. 
( 2 ) I have a set of charges for medical bills that originate in XXXX but are most likely very old charges with dates manipulated since these suddenly appeared on my credit report once I returned to XXXX. I did have XXXX XXXX for 25 years until having my XXXX removed in XX/XX/XXXX and the last time I spent any length of time in XXXX, which was XX/XX/XXXX, I was hospitalized for months. There may be bills from that time period that are unpaid, but, if so, they are too old to statutorily be on my credit report. From XX/XX/XXXX until XX/XX/XXXX, I was in XXXX and should not have any charges from hospitals or doctors in XXXX until that year. The XXXX XXXX XXXX XXXX, on behalf of XXXX XXXX XXXX, has a past due charge of {$1600.00} for some sort of procedure, I would imagine, performed in XX/XX/XXXX. Again, I NEVER visited any doctor during this time period. How can I be so sure?  Because I had no insurance and I was in XXXX. I do not have any other health issues. Another of their charges is on behalf of XXXX XXXX XXXX for {$850.00} for the services rendered in XX/XX/XXXX. Finally, they have a charge of {$730.00} on behalf of XXXX XXXX XXXX for services performed, again, in XX/XX/XXXX. Either somebody was using my information to obtain medical services in mid-late XX/XX/XXXX or these are charges dates from outside the statutory  period. I also have asked for complete, original invoices with dates from these providers and Experian again claimed that they had " verified '' these dates and did not have an obligation to do anything further. I was again, however, invited to be upload any documents. Which I do not have. Unfortunately, I am not a social media user or else I could probably give a day by day account of XX/XX/XXXX. 
( 3 ) Miscellaneous Incorrect Information. There are two other charges that only remain on this company 's report : the first is from XXXX XXXX XXXX on behalf of XXXX in the amount of {$830.00} for an account opened in XX/XX/XXXX. In  XX/XX/XXXX, I was still XXXX and XXXX due to the final of three XXXX I had to remove and replace my XXXX in 7 months. I was unable to drive because of medication. I do not recall anyone driving me to XXXX while I was XXXX, XXXX XXXX, and XXXX XXXX XXXX so I could open an account. As I have shared with Experian, my MOTHER who resides at the same address as me and has the same last name does have a XXXX account. Again, CRA says this is not " new information '' so no investigation necessary. Last but not least, I have a " charge-off '' from XXXX XXXX in the amount of {$69.00} from an account allegedly opened In XX/XX/XXXX. I purchased and financed a vehicle through XXXX in XX/XX/XXXX. In XX/XX/XXXX, I, unfortunately, was in a car accident and totalled the vehicle. At that time it was paid off but for around {$300.00}, my last payment. This amount was paid by the insurance company and I know that I never received and have never received a bill at any time after that date. Not for any amount. I 've had no communication at all. I believe this is just a mistake as the other two CRAs have it as a " paid-off '' account in my positive column. Experian not only has this account down as a " charge-off '' but they have months of late payments beginning in XX/XX/XXXX. Again,  they insist there is no change from the last time they investigated which was in XX/XX/XXXX.  Do n't they have a duty to re-investigate? After 3 years? 

There are one or two accounts which are mine and I am paying off. There are also 2 accounts that are the result of identity theft but I assume Experian will be taking these off my report as I have sent them police reports, etc. 

Any help you can provide me with would be great. I do not understand how a company that GAVE OUT MY INFORMATION ILLEGALLY now refuses to even perform an investigation when I have presented very logical disputes. Due to Experian, and Experian alone, since XXXX XXXX and XXXX ARE investigating, my FICO score  has dropped to an all new low of XXXX!!!! This was after my preliminary work with the other two agencies had raised my score 40 points in one month. 

I am still recovering from XXXX and on XXXX but I 'd like to go back to XXXX  and begin working again and earning income as soon as possible. I ca n't foresee anyone renting an apartment to someone with that kind of credit score. And i  'd prefer not to wait until XX/XX/XXXX or XX/XX/XXXX when these allegations are supposed to naturally come off. Which they probably wo n't as my Experian report states on it 's first page that my " oldest '' account is 10 years old. Is n't 7 the statutory cut-off? 

I am so frustrated at the amount of time I have had to put into pursuing this with a company that refuses to accept any duty or responsibility whatsoever.

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