Consumer complaint received 2020-07-06
Company: Experian Information Solutions Inc.
State: OH
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:
I have disputed, more than once, information on my credit report provided by XXXX XXXX XXXX to this credit reporting agency. In addition to these debts being over 6 ( six ) years old, these debts are also unverified as is mandatory by the FCRA article 609. I have provided ample information along with a handwritten mailed in dispute providing a copy of my drivers license, proof of my current address. Additionally I have provided them with a copy of the police report they required. I provided them with statements from the alleged original creditor, XXXX Hospital, that shows the amount due as XXXX. The account number listed on the attached statements is the account number of XXXX XXXX XXXX and not the original creditor XXXX Hosptial. There is no account number with XXXX Hospital as they are not attempting to collect this debt, it has been written off and closed since XXXX. Despite allegedly providing XXXX XXXX XXXX a falsified statement of account on XX/XX/XXXX that reflects a XXXX balance due, the very next day on XX/XX/XXXX, XXXX XXXX of XXXX Hospital signs a sworn affidavit that the accounts are " due and owing '' for the full amounts and assigns the accounts for collection to XXXX XXXX XXXX. This credit Reporting Agency has FAILED to verify this debt as accurate. Further, this Credit Reporting agency has failed to verify two additional accounts placed on my credit by XXXX XXXX XXXX, the accounts with the original creditor as XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. These companies have not been in business in over four years. The only verification of this debt provided is a statement of account ( s ) that is over 6 years old. I've attempted to call the number provided on the statement to verify the accounts and one is a no longer working number and the other is NOT XXXX XXXX, nor have they taken over billing for XXXX XXXX, they have no knowledge of any account with my name, birth date, social security number. I have relayed all of this information to the Credit Reporting Agency and yet they REFUSE to remove these debts from my credit report and site " these accounts have been verified ''. On my credit report these debts are reported as originating in XXXX, yet they were not even allegedly assigned to XXXX XXXX XXXX until XXXX. I was given NO prior notice that these debts were owed until receiving legal documents in XX/XX/XXXX. The number to XXXX Hospital was provided on all documents, as were that of XXXX XXXX  XXXX   XXXX and XXXX XXXX XXXX yet this credit reporting agency FAILED to assure the amounts owed were accurate, owing, and verifiable MINE as I REPEATEDLY asked them to. Given the insurmountable amount of evidence provided to them, there is no way that these debts were verified by this credit reporting agency. I have reported these are not my debts, that I have never done business with XXXX XXXX XXXX, provided ample evidence to support that and yet they refuse to remove these debts from my credit report. To add insult to injury, this Credit Reporting Agency allowed two additional unverified debts to XXXX XXXX  to be placed on my credit in XXXX of XXXX. After calling the alleged original creditor of XXXX XXXX, it was discovered that there in fact is NO ACCOUNT for me under my name, address, date of birth and or social security number there, past or present. Two of the credit reporting agencies have removed this unverified debt from my credit, but XXXX continues to state " after investigation this debt has been determined to be yours ''. What verification process did they use to determine this? XXXX XXXX XXXX placed an unverified debt on my credit report for an alleged account with XXXX. After calling XXXX, again, they have NO INFORMATION that I have ever had a delinquent account with them. I have never done any business with XXXX XXXX XXXX and had no previous knowledge of this debt prior to seeing it placed on mu credit report. XXXX XXXX XXXX  has placed an alleged XXXX XXXX  of Ohio debt on my credit, however once again, when I try to contact XXXX XXXX and give them the account number that XXXX XXXX gave me that I allegedly have with them, AGAIN, they have no such account for me, I currently have gas service in my name ( XXXX XXXX XXXX XXXX, Ohio XXXX ) and XXXX XXXX told me that if I had an outstanding account, the two would have been synced. Once again, XXXX  removed this account from my credit report as it is UNVERIFIED. And lastly, XXXX XXXX  has placed on my credit report a an alleged debt to XXXX XXXX, however they will not provide me with an alleged account number, and when I contact the creditor directly, they have no record of me ever having service with them, no open and or closed account for me. I currently have internet service with this provider and again, if I had an outstanding balance, the accounts would have been synced prior to allowing me to have service. I have told XXXX  I feel that I may have been a victim of identity theft, I have provided them with a copy of the police report to support that, What more do they want from me? I have literally jumped through EVERY hoop and they will NOT remove these very clearly UNVERIFIED debts from my credit report as the FCRA requires!

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