Consumer complaint received 2021-07-09
Company: Experian Information Solutions Inc.
State: CA
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:
Reached out to : XXXX XXXX XXXX in XXXX, CA initially on XX/XX/21 to request under the FCRA my right to a validation of debt. They responded to my request on XX/XX/21 with a letter stating that they've attached a copy of an itemized statement for the account in question. The statement itself doesn't say much other than a date of a procedure, a Dr. 's name, a test name and XXXX code. I then realized this a medical collection and it also appears that there may a violation of my XXXX rights. Additionally, none of the information on this statement is familiar to me. I am unaware of who the Dr. on this bill is, why this was ordered and why and what I am even being billed for! I responded to XXXX XXXX XXXX requesting additional information. In my letter to them I was specific in what I needed for them to provide, such as for example : records, contracts, signed XXXX release which allows them access to any of my medical information, anything and everything that ties me to the account, etc ... I also informed them that I have zero knowledge on who this Dr. is, date of procedure, and test performed. In other words, 'Please fill me in, because I have no idea why this negative account has been linked to me '. I received no response to my letter. I then again sent another follow up response, and again, no response. All letters sent via certified mail, so I know that they received each letter. To this day, I am in the dark about this account or even if this account truly belongs to me. 

Moving on, I began to dispute this account with both XXXX and Experian. XXXX was not reporting this account. The investigation into my dispute request with XXXX resulted in a deletion because they were also unable to 100 % validate this account. With Experian however, it's been a real struggle. My initial letter to Experian sent XX/XX/21 provided them with the letters from my dispute with XXXX and XXXX, and I asked that they also investigate this account. Their initial response to their investigation came back with " updated '' in just over 24 hours. I then requested that they please send me all documents, contracts, name of who they spoke to at XXXX and XXXX used to come to their decision that this account is accurate. I also requested my signed XXXX release form, and or anything that ties me to this account. That second letter was mailed to Experian on XX/XX/21. They then responded again, not even 24 hours later, that this account was again accurate. I was already aware that they had made that decision. I was asking for more specific information in my letter to them. So, then I mailed them again on XX/XX/21 mentioning that I was already aware of their decision, but that's not what I was asking for. I was needing more specific information/documentation. I received no response to that letter, and I know Experian received my letter because all letters that were sent to them were sent via certified mail and tracking information shows that all letters were received. I again mailed Experian on XX/XX/21, for a final time, to again request specific documentation tying me this account. They came back again, just over 24 hours later that the account was accurate and would " remain ''. I would have to say that just because Experian would come back with a decision not even 24 hours later each time, that there was never a 'reasonable investigation ' done. Or that they must have concrete documentation on file that ties me to this account. Either way, I have been ignored in my specific request each time. I have nothing more than a letter and a bill from XXXX XXXX XXXX, but also XXXX  deleted the account from my credit report because they were unable to 100 % verify the account. Therefore, my rights under the FCRA have been violated. This account needs to be deleted from my Experian report immediately

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