Consumer complaint received 2020-08-01
Company: Experian Information Solutions Inc.
State: TX
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:
Credit Bureau : Experian Account : XXXX XXXX Type : Medical debt collection Original creditor : XXXX XXXX XXXX Amount : {$380.00} Desired resolution : REMOVE from my Experian credit file for multiple violations. I am writing to file a complaint against Experian credit bureau for violating my rights under the FCRA regarding an account with XXXX XXXX for an alleged medical debt collection. This debt is not accurate, complete & verifiable ; therefore, must be removed. *XXXX has already removed this debt from my credit file after their investigation, but Experian will not. Violation # 1 : XXXX is continuing further collection activity, including credit bureau reporting, without validating this debt. I have written XXXX twice, and called them twice to dispute and seek validation of this debt. They responded in XX/XX/XXXX by sending another invoice, but NO supporting evidence of the debt. I also called the original creditor, XXXX XXXX XXXX in XX/XX/XXXX, and they could not find record of this debt either, nor could the Supervisor. 1st dispute to XXXX : XX/XX/XXXX 2nd dispute to XXXX : XX/XX/XXXX Phone call to XXXX : XX/XX/XXXX Phone call to XXXX : XX/XX/XXXX Violation # 2 )  Failure of Experian credit bureau to perform a proper investigation. I have disputed this 3 times with Experian, but they continue to verify this debt as accurate. ( Experian told me by phone on XX/XX/XXXX that my 3rd dispute request was dismissed as frivolous because it had already been verified as accurate by XXXX, and Experian was not required to obtain proof of the debt. ) My report now says This item remains unchanged from our processing of your dispute in XX/XX/XXXX. 1st dispute to Experian : XX/XX/XXXX 2nd dispute to Experian : XX/XX/XXXX 3rd dispute to Experian : XX/XX/XXXX Violation # 3 ) There can not be a Past due amount reported on a Collection, yet my report shows Past due {$380.00}. *See attached documents confirming my previous attempts to dispute this debt and request removal. 

Experian is further disregarding my complaint now by replying that my reinvestigation request " does not appear to have been sent directly by me or authorized by me ... therefore have not taken any action. '' And I NOW need to write them yet again ( a 4th time ) and send a copy of my drivers license & electrical bill to prove my identity. I do not want my license floating around! nor included with my credit history file. 

Experian : I am tired of the games. Please be advised if this account is not removed within 15 days, I will take legal remedy next. 
I am submitting this complaint on my own accord ; I am not affiliated with, nor have employed a credit repair service. I am authorizing this dispute complaint myself, as the direct consumer.

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