Consumer complaint received 2019-08-11
Company: Experian Information Solutions Inc.
State: GA
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 sent letters of investigation to Experian and XXXX regarding a closed charge off account from XXXX XXXX XXXX via certified mail through USPS. I received my investigation results correspondence from Experian that the XXXX XXXX reported that the account was " charged off as of XX/XX/XXXX ''. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX that my account was sold to XXXX XXXX XXXX. On XX/XX/XXXX I sent a certified debt letter via USPS to  XXXX XXXX XXXX. On XX/XX/XXXX I sent a certified re-investigation letter to Experian asking that they provide the information that XXXX  XXXX submitted that allowed them to verify the accuracy of the information reported on my Experian Credit report. On XX/XX/XXXX I sent a certified re-investigation letter to XXXX asking that they provide the information that XXXX  XXXX submitted that allowed them to verify the accuracy of the information reported on my XXXX   Credit report. On XX/XX/XXXX I received an letter from XXXX XXXX XXXX stating that my account was sold to XXXX XXXX XXXX. On XX/XX/XXXX my credit re-investigation results from Experian was updated with the following remarks : " DISP INVG COMP_RPT BY XXXX ; PURCHASED BY ANOTHER LENDER ; PAID IN FULL/WAS A CHARGE OFF '' On XX/XX/XXXX I sent a certified FCRA Section 623 letter to XXXX XXXX asking that they provide me with the documentation that they gave the credit reporting agencies during their investigation. On XX/XX/XXXX XXXX XXXX provided me with a letter that the ownership of the account was transferred to XXXX XXXX XXXX. 

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX in response to my debt validation request. They informed me that they closed my account and ceased collections and I have no further obligations regarding this account. 

On XX/XX/XXXX I called Experian to inform them of the letter that I received from XXXX XXXX XXXX clearing me from the alleged debt and I asked if they could remove this from my file. I was informed by the Experian customer service agent that they will not be able to remove this information because the request would have to come from XXXX XXXX XXXX. 

I am requesting the following resolution from XXXX XXXX XXXX provide me with the following : 1. An agreement bearing my wet signature stating that I will assume the debt.

2. Valid copies of the debt agreement stating the amount of the debt and any related interest charges.

3. All the information that was provided to Experian and XXXX to assist them with their  investigations. 

If proper validation of the alleged debt can not be provided I demand that XXXX XXXX immediately delete and completely remove this alleged account from my credit file and with Experian and XXXX credit reporting agencies.

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