Consumer complaint received 2016-10-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XX/XX/XXXX I received a denial of credit I requested a copy of the free credit report and noted that Experian was carrying a collection from XXXX XXXX in California. I contacted Experian an asked them to verify and or validate the debt. I filed a dispute in writing and shortly after received a notification that I should contact the collection agency. I contacted the Collection agency XXXX XXXX twice and initally they did not respond. I contacted Experian and they kept extending the debt. Meanwhile I continued to research the debt myself. I received a letter from Experian stating that they had received a letter from the Collection Agency and the addresses matched, Interestingly enough I moved to this address XXXX after residing outside of XXXX since XX/XX/XXXX .The debt is listed to having occurred in XX/XX/XXXX and the address is listed in XXXX XXXX XXXX Interestingly enough I mentioned to both XXXX XXXX and Experian in writing that I resided in XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX, prior to that I had never been to XXXX XXXX and this was the address they listed on the " bill '' .I verified to Experian that in XX/XX/XXXX-XX/XX/XXXX I resided in XXXX other countries, none of which were XXXX XXXX or the United States . The addresses could not have matched. 
On XX/XX/XXXX I received a letter from XXXX XXXX in the right hand corner of the letter was the phone number XXXX and in the body of the letter they listed the phone number XXXX. They demanded {$6500.00}, claiming the original alledged debt was XXXX and that a fee of {$1600.00} was assessed. The letter was signed Compliamce Department. No Name. I attempted to call the XXXX numbers and they were listed as non working and disconnected.respectively. The letter is dated XX/XX/XXXX They enclosed a " bill '' listing my address in XXXX XXXX which should not have been associated with them as I only referred to the address as my address for the past two years. The bill is stating that it covers XX/XX/XXXX and does not have tan official letter head from the school or a signatureor phone number. They also enclosed a statement of student terms and conditions with no signature, no school heading or contact number. 
Experian could not have investigated my dispute and it appeas that they accepted a fraudulent debt from a scammer. 
A simple research by me online revealed that several people had been scammed by this scammer posing as XXXX XXXX since XX/XX/XXXX in the State of XXXX. Other people received similar debt demands with the same disconnected number and no signature or contact information I have asked Experian to nremove the debt six times. Instead they keep trying to extend the date by a week or two. 
Please help me remove this fraudulent account. it is the only thing on my credit file because I resided outside of the country from XX/XX/XXXX-XX/XX/XXXX. XX/XX/XXXX my wallet was stolen in XXXX XXXX and it created a great deal of problems, fortunately I was able to resolve it with individual companies, but Experian is continuing to be stubborn and negligent. 
I have been taken advantage of by XXXX XXXX XXXX and XXXX XXXX claiming they can assist me, but they took my money and did nothing. 
I respectfully request your assistance, Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 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