Consumer complaint received 2018-07-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX/XXXX has failed to provide me with any documentation showing that the original credit amount in XXXX of {$50.00} ( according to Experian report ) to the questioned account after it was first requested. I have never received any invoices/bills at any time when the first amount was reported to Experian in XXXX or any billing cycle since that time. I reported the issue to Experian on XX/XX/XXXX as to having no knowledge of charges to the account nor do I have any knowledge of setting up this account. Experian responded with the information shows accurate and that I should contact the creditor XXXX/XXXX directly. I sent a letter certified mail on XX/XX/XXXX to XXXX/XXXX requesting they either remove the negative report from my account and/or send me copies of bills/invoices showing charges and how this original {$50.00} dollar credit came about, where the billing address is that was reported on the account, and what store the account was opened at. On XX/XX/XXXX XXXX/XXXX  responded that they reviewed my information and that it shows accurate and to contact one of the credit agencies. They specifically ignored my request in the certified letter sent to them asking for the documentation on the account. XXXX/XXXX in response to my letter, instructs me to contact the credit agencies such as Experian. Had XXXX/XXXX really looked into this account as they stated in the letter, they would see Experian is aware of the issue and referred me to XXXX/XXXX for further help. 

I previously asked XXXX/XXXX  to send all documentation including copies of bills listing items purchased, address original bills had been sent to, original account opening documents and the store/facility location that this account was opened at. I have disputed the situation with both Experian, and the XXXX directly and neither has assisted in the efforts of resolving this issue. They have yet to return any details showing how this balance came about. I can't fix the problem if the companies involve refuse to send supporting documents that would allow me to see how the balance came to be past due for items purchased that I have no knowledge of. I sent Experian a dispute on the accuracy and they sent back they found the information is correct and to contact XXXX. I sent certified mail requesting these documents to XXXX and got a generic response stating they checked into the information and it is correct. This is not enough to satisfy me as the account should be removed since it is not accurate information being reported and the company refuses to send me the documentation I requested. I would also like to note that according the the Experian report the original charge was XXXX dollars. Had this invoice been sent to me originally at the time of the charge I would have resolved it one way or another with XXXX immediately. No other parties would have been involved with this issue as I would have the documentation to report fraud and resolve the issue before it hit my credit report. I find it hard to believe that XXXX has not in this entire process seen that I have lived at the same address for 8 years and did not send 1 notice about this issue.

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