Consumer complaint received 2020-10-16
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:
On XX/XX/XXXX XXXX XXXX XXXX closed account # XXXX in the amount of {$700.00} On XX/XX/XXXX XXXX XXXX XXXX placed the same amount of debt that they claim I owe under a different account # XXXX which I have no knowledge of either account or debt. 

XXXX XXXX has also violated the Fair Credit Reporting Act and Fair Debt Collections Practices Act as well by re-aging the alleged debt in the amount of {$700.00}. The print out of the bill XXXX XXXX XXXX has sent to me several times in the past several months to validate this alleged debt is dated for XX/XX/XXXX. This goes against the date the account displays it was opened on my credit file for XX/XX/XXXX. 
Also the amount that XXXX XXXX XXXX claims I need to pay them is different from the amount displayed on the print out of the bill they have sent me as well. The amount displayed on my credit file is for amount of {$700.00} but the bill they have sent me displays {$700.00} If the Consumer Financial Protection Bureau and Experian  will take a look at the printout of the bill that was sent to me by XXXX XXXX which dated XX/XX/XXXX and look at the date opened on my credit file which displays XX/XX/XXXX you can clearly see that this alleged debt has been re-aged for almost two years since ive been disputing this alleged debt. 

Letters of disputes were sent and received on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The latest dispute letter I received from XXXX XXXX was on XX/XX/XXXX and that stated that account # XXXX was in a dispute status. Every time a dispute letter was sent, XXXX XXXX constantly sent me a copy of a bill from Arizona XXXX XXXX which they are using for their METHOD OF VERIFICATION. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute a METHOD OF VERIFICATION. As of current, Ive only gotten responses back from the dispute letter Ive sent to XXXX XXXX, Experian   stating that the debt was valid. As of XX/XX/XXXX, Ive not yet heard back from XXXX XXXX Stating how and why the debt was valid with no method of verification. Since the debt was last disputed on XX/XX/XXXX, XXXX XXXX has again willfully violated the FRCA by not responding to my dispute. XXXX XXXX XXXX has not responded within the required 15 day deadline of sending me their METHOD OF VERIFICATION. Not only have they not responded in 15 day deadline, but they have not responded to my dispute letter since XX/XX/XXXX. I have previously reached out to XXXX XXXX XXXX several times with all required documentation concerning this alleged debt. I have asked XXXX XXXX  for theIr METHOD OF VERIFICATION three times, and three times I have been denied my request for their method of verification and met with NON COMPLIANCE. As stated in 609 Disclosure To Consumers [ 15U.S.C 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : As we know, the information that verifies the information inside a credit report is supposed to be in the files of the credit bureau as well. This is the Information that the credit bureaus are supposed to store in their database on every consumer. As well as 609 ( c ) ( E ) As of XX/XX/XXXX XXXX XXXX XXXX is still reporting all negative Information about this alleged debt to my Experian  credit File. 
I am asking the Consumer Financial Protection Bureau to investigate the non compliance from XXXX XXXX and the non compliance from Experian  from the disputes that I have submitted here today. 

I would like to add that since my last dispute on XX/XX/XXXX XXXX XXXX XXXX has yet to respond back to be which is another violation of the Fair Credit Reporting Act.

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