Consumer complaint received 2020-02-22
Company: Experian Information Solutions Inc.
State: PA
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 I was released from XXXX XXXX XXXX a Pennsylvania XXXX XXXX, I've been in continuous XXXX  since XX/XX/XXXX. 

On the same day as my release I called the 800 number to request my free annual credit report from all three credit reporting agencies. 

On XX/XX/XXXX I received my credit report from Experian ( see attached document Experian Report # XXXX dated XX/XX/XXXX ). 

After carefully reviewing the Experian credit report I discover that there was an account in collections under XXXX XXXX, I immeadiatly became concerned because I have no idea who XXXX XXXX is and what do I owe to whom. 

So as I mentioned above I've being incarcerated for 65 months Since XX/XX/XXXX, when I came home in XX/XX/XXXX I found hundreds of collection notices fro XXXX XXXX, I called the number provided on the collection notice and asked them what they were talking about, the agent didn't seem to be listening to anything I was saying because all they wanted to do was get me to admit to a debt was mine. 

On or about XX/XX/XXXX I disputed with Experian the information they are reporting specifically XXXX   XXXX account ( see attached Dispute results XXXX dated XX/XX/XXXX ). 

So then I consulted with a an attorney who advised that we should have XXXX XXXX validate the debt, since I was just released from prison I could not afford the attorney. So I had to to everything on my own. I sent XXXX XXXX a debt validation letter via certified return reciept mail ( see exhibits as attachments of debt validation sent to XXXX XXXX ). 

XXXX XXXX never responded ( within the 30 days from receipt of ) to my XX/XX/XXXX debt validation request. 
Experian was put on notice of the Non response. 

Experian continues to report this un-validated debt even after it was disputed several times and also put on notice that there was a non-response by XXXX XXXX to the debt validation request. 

All validation request documents were provided ( via certified return receipt mail ) to Experian with copies of all accompanying documents sent to XXXX XXXX ( see attachment non-response Letter sent to Experian dated XX/XX/XXXX ). 

Shortly after receiving the above mentioned dispute results I formally requested a re-investigation through the Experian website, soon there after I received the first of four ambiguous, undated and, unsigned post card responses ( see 4 attached post cards scanned front and back ). 

On or about XX/XX/XXXX, or XX/XX/XXXX I once again disputed the XXXX XXXX information with Experian ( see results report XXXX dated XX/XX/XXXX ). 

In conclusion the alleged debt was challenged by me to Experian and the dispute results are in error. 

XXXX XXXX has acquiesced that a a valid date exists by not responding to my debt validtaion request of XX/XX/XXXX. 

Experian is aware of XXXX 's non-response but continues to report even after I requested the item deleted due to the non-reeponse.

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 non-monetary relief