Consumer complaint received 2018-06-19
Company: Experian Information Solutions Inc.
State: CA
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:
XX/XX/XXXX I contacted collection agency and consumer reporting agency via Certified mail. 

I have only received letters back from you that it was verified electronically. 

How can that be? 

When I disputed with this collection agency they had nothing that they could provide me that proves that I Owe them the debt here in. 
They mailed me a bill. As an attempt for debt validation. 
A month later I disputed a second time with collection agency and here said consumer reporting agency. 
They again sent me only a bill attached with it is an old email conversation between a property manager. I XXXX the company. 
I found out it was a property management company. So I sent certified mail to original company. They couldn't provide me anything. They said they had nothing to provide me. no lease no contract they do not have any record of me. 

I called the collection agency again I sent another letter. that asked question CFPB suggest specific questions to ask to make sure i'm not paying someone that can just steal my money or sell to someone else. this is a lot of money I need to be 100 % sure that this is mine and 100 % according to the fair credit reporting and fair debt collection practices. 
I asked to provide a contract showing they owned debt. And how did they get it. They said they did not owe the debt they did not have a contract. But if I paid them that I could trust that it will be removed off of my credit report. I told them that I would never pay someone money that did not owe the debt or could not provide a contract showing an original creditor sold them the debt or had made an agreement with them. All the man on phone could say was he understood but if I could make some payment we could work this out. 

This does not feel right ... .. 
I've asked many questions. 

Please tell me how you verified this debt Was it electronically? 
Did you contact original furnisher? 
I have copies of certified mail I have done my own personal investigation. 

Please tell me how when I have disputed this debt with your company that in a matter of a few days you were able to verify this yet it has taken me months to get anywhere and its only proving that this is not proper verification nor proper consumer debt or consumer reporting. 

There are many XXXX XXXX out there. If they do not have a contract if they can not show they own debt how can this be? 
Nor can they show that they own the debt. But they can report it. 
No exclusive agreement between a company? 
this is not my debt Attached you will see my copies of letters This needs to be removed it is hindering me. Either its removed now or I have to hire an attorney one way or another it will be removed id rather you please look at what i have attached and make a timely decision please.

This is not consumer debt. This is not reporting accurately and fairly.

Please see attached letters that I have mailed.

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