Consumer complaint received 2020-07-03
Company: Experian Information Solutions Inc.
State: NY
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 been trying to reach out to XXXX XXXX, regarding my account for the past 60 days. I phoned, emailed and sent a letter to the corporate office. However, I had no response. 
I have false and inaccurate information on my credit report. Through the credit bureau Experian and XXXX.I requested that XXXX XXXX  forward me a copy of my original agreement/ contract to the address I provided or email a copy of my contract. 

When I initially opened this account. I signed up for insurance in the event that I lost my job or was injured ; and could no longer pay. When I lost my job. I gave proof that I was no longer employed and completed the paperwork for my insurance claim, which was immediately received and processed by XXXX XXXX. My payments were covered through the insurance policy. Which left me with a XXXX  balance, because the insurance policy paid the remaining balance. When I signed the agreement, the contract stated that some of my payments went toward my purchase and the rest to my insurance policy.So I made monthly payments to my insurance coverage the day I opened this account. 

XXXX XXXX  is reporting this account as a charge off/ bad debt. I requested this account be removed from my credit report. 

I also contacted Experian and XXXX  to inform them that there is fraud and inaccurate information on my credit report. From the creditor, XXXX XXXX. I requested that this account be removed from my credit report. Experian 's and XXXX  investigation was completed and the results were verified and accurate. Which is not true.This account is not accurate. 

I requested that the method in which Experian and XXXX  used to validate the validity of this account, be sent to me in writing. Experian or XXXX  never sent me this information. However they sent me a general postcard in the mail explaining the Fair Credit Reporting Act and explaining that they use public records to verify accounts. 

How could Experian or XXXX  verify through public records fraud and inaccurate information? They can verify I had an account, but the details in which I'm disputing had not been verified by Experian or XXXX.They have not fully investigated this account. This account was paid through insurance and is being reported as a charge off/bad debt. 

XXXX  has not noted in the comment section of my credit report that I have disputed this account. 

Therefore, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding Acceptance Now, that is listed on my credit report. 
As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

Please provide me with this information or delete this account from my credit report. 

Thank you, XXXX XXXX

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