Consumer complaint received 2017-08-06
Company: Experian Information Solutions Inc.
State: KS
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 am submitting this complaint after numerous attempts to correct inaccuracies in my credit reports. I sent letters to all three credit bureaus asking that they check the accuracy of several accounts on my credit reports. One did not respond ( XXXX ) and the other two stated that the collections were verified as mine. Anyone who actually looked at my reports would easily see that there are several duplicates of the same charges for the same original creditors and same amounts, but different collections agencies. I also believe that these are debts that were sold to collections agencies after my Chapter XXXX discharge. I believe that because all of the debts come from the original creditor XXXX XXXX Hospital in XXXX, XXXX. XXXX XXXX Hospital is also known as XXXX XXXX. The debts from this particular hospital were included in my Chapter XXXX bankruptcy and I had not been back to that hospital since my discharge in 2011. They are located in XXXX and I moved from there right after my bankruptcy was discharged. I live in XXXX. There is no way I was seen at that hospital after my bankruptcy. I have my leases to prove my residency. In addition to contacting the credit bureaus about this issue, I also sent letters to the collection agencies involved. I never received a response from XXXX XXXX, XXXX XXXX, XXXX XXXX, or XXXX XXXX XXXX. In fact, I sent all the letters directly to the addresses that were located on my credit reports for those collection agencies. A letter was returned to me that was sent to XXXX XXXX XXXX as a bad address. I have uploaded a picture of the returned letter with this complaint along with a screenshot of the contact information listed on my credit reports for XXXX XXXX. How can they put something on my credit reports and yet I have no way of contacting them in writing about the debt? They should be required to have their correct mailing address listed on the reports. How can I verify if a debt is mine or if that debt was included in my bankruptcy or not if I have no way of contacting them in writing? XXXX contains duplicate billing for the same amount and same original creditor Collection agency : XXXX XXXX XXXX XXXX XXXX Amount : {$80.00} Original Creditor : XXXX XXXX XXXX ( I have NO IDEA who this original creditor is ) And again on the same report, they have the very same information Collection agency : XXXX XXXX XXXX XXXX XXXX Amount : {$80.00} Original Creditor : XXXX XXXX XXXX There is also an additional collection listed by the above referenced collection agency of which I have never received a bill and can not get in contact with them about : Collection agency : XXXX XXXX XXXX XXXX XXXX Amount : {$1400.00} Original Creditor : XXXX XXXX XXXX My XXXX file contains numerous inaccuracies that they refuse to remove and that I know for sure they could not have actually verified Duplicate and/or inaccuracies : Collection Agency : XXXX XXXX XXXX Amount : {$290.00} Original Creditor : XXXX XXXX Hospital Collection Agency : Debt Recovery Amount : {$300.00} Original Creditor : XXXX XXXX Hospital ( Also knows as XXXX XXXX XXXX XXXX ) And again on the same report, same information except that they are using the alternate name for the original creditor Collection Agency : XXXX  XXXX Amount : {$300.00} Original Creditor : XXXX XXXX ( Also knows as XXXX  XXXX Hospital ) Same debt, but different collection agency on the very same credit report : Collection Agency : XXXX XXXX Amount : {$300.00} Original Creditor : XXXX XXXX Collection Agency : XXXX XXXX Amount : {$500.00} Original Creditor : XXXX XXXX Collection Agency : XXXX XXXX Amount : {$500.00} Original Creditor : XXXX XXXX Collection Agency : XXXX XXXX Amount : {$80.00} Original Creditor : XXXX XXXX Hospital Another duplicate Collection Agency : XXXX XXXX Amount : {$80.00} Original Creditor : XXXX XXXX Hospital My Experian file contains the following debts that I am not responsible for : Collection Agency : XXXX XXXX XXXX Amount : {$300.00} Original Creditor : XXXX XXXX Hospital Collection Agency : XXXX XXXX XXXX Amount : {$290.00} Original Creditor : XXXX XXXX Hospital Along with this complaint you will find screenshots of my bankruptcy documents which included the debts from the creditor XXXX XXXX Hospital / XXXX XXXX. On my bankruptcy filing my attorney lumped all of the bills together so you will see them all as a total and not listed individually.

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