Consumer complaint received 2019-08-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On or about XX/XX/XXXX this year I received a letter from XXXX XXXX XXXX, XXXX demanding payment on a debt that is not mine. On XX/XX/XXXX I requested further information. 

On XX/XX/XXXX I received correspondence from XXXX XXXX XXXX rejecting my dispute and insisting upon full payment. The letter included much less than was requested. It was at this point that I hired an attorney. 

On XX/XX/XXXX my attorney sent a letter to XXXX XXXX XXXX requesting further information. On XX/XX/XXXX XXXX XXXX XXXX responded with none of the of the information my attorney specifically requested. All he received were more credit card statements. 

I know for a fact that this is not my debt and that XXXX XXXX XXXX can not provide any verifiable evidence that it is. They will not provide me with any type of substantive documentation regarding this account such as the original consumer contract that my attorney asked for three months ago. And yet, on XX/XX/2019 they once again entered this same account into your system as up for collection. 

As I pointed out to XXXX XXXX XXXX ( and subsequently to Experian in the referenced dispute ) : 1 ) all correspondence from the originating bank to the debtor were sent to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX. That is the person who owes this debt. I have never lived in or even visited Florida. 
Tax and real estate records will prove this. Experians own report # XXXX dated XX/XX/2019 validates this. 

2 ) we have a history of paying the balance on our credit cards every month and have done so for at least 20 years. We do not let credit card debt accumulate nor do we make late payments. A simple review of our credit history will verify this. Experians own report # XXXX dated XX/XX/2019 validates this. 


Since the Fair Credit Reporting Act ( FCRA ) requires credit reporting companies to verify any and all accounts they post on a credit report. I would assume that they have the type of evidence I seek. If you do not then I must assume that they did not comply with that requirement. However, I have subsequently demanded to see all verifiable proof ( an original Consumer Contract with my  signature on it ) that they have on file for this account. 

Experian 's failure to positively verify these accounts has resulted in a one hundred point drop in my credit score and a change of my credit rating from very good to fair. This has already had a possible impact on the cost of my insurance premiums and will hurt my ability to obtain future credit. Further, it has damaged my reputation causing undo suffering and anguish. 

Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove this account. 

I have disputed the collections actions with Experian and await the result. 
Dispute report XXXX dated XX/XX/XXXX ( Collections ) Dispute report XXXX dated XX/XX/XXXX ( Incorrect Florida Address ) Dispute report XXXX dated XX/XX/XXXX ( Address removed ) Dispute report XXXX dated XXXX ( Collections disputed ) Dispute report XXXX dated XX/XX/XXXX ( Collections ) Dispute report XXXX dated XX/XX/XXXX ( 2nd Collections disputed )

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