Consumer complaint received 2020-03-02
Company: Experian Information Solutions Inc.
State: TX
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:
It is Experian 's job to make sure the companies that pay them a fee to report information is reporting it according to the FCRA. 

Concerned consumer who feels my rights are being violated and basic consumer protection laws are not being adhered to. EXPERIAN SAID THEY WOULD NO LONGER HELP ME BUT THEY HADNT EVEN DID THEIR JOB CORRECTLY. THEY NEVER SAID THE ACCOUNTS WERE UNDER DISPUTE. THEY NEVER SENT ME A LETTER CONFIRMING THEY RECEIVED MY DISPUTE. 

I dont know who XXXX XXXX XXXX is. I have never had any business OR personal accounts with the. THEY REFUSE TO SHOW ME SOMETHING TANGIBLE WITH NAMES, NUMBERS, DATES, COPIES FOR THE LISTED ACCOUNTS. THEY CLAIM I OWE THESE BALANCES SO MY REQUEST SHOULD BE EASY FOR THEM TO ANSWER. XXXX XXXX XXXX continues to report DUPLICANT AND QUESTIONABLE accounts on my credit report. Refusing to provide proof of the validity of the listed accounts after many requests sent via US POSTAL mail. This company has also admitted, Per Texas Finance code. 392.202 ( b ) ( 2 ) that the listed accounts are inaccurate and questionable as they have yet to recover documentation after many requests. There are multiple duplicate accounts reporting. Account number 1 is reporting a balance of {$480.00}. Account number 2 is also reporting a balance of {$480.00}. Account number 3 is reporting a balance of {$32.00} and account number 4 is also reporting a balance of {$330.00} Additionally, account number 5 is reporting a balance of {$480.00}. Apparently, there is an account number 6 that XXXX XXXX XXXX alleges in the amount of {$480.00}. They claim this is the account they are attempting to collect on but its not even on my credit report!!!! My question is where the heck did these other accounts come from? This must be some sort of mix up because this is too messy. The company wrote me a letter stating that the had previously responded to my many requests, but they had not. I have sent several requests to them via certified mail and had the letters notarized before a Texas official. I have even ccd my attorney in each letter that I sent to XXXX XXXX XXXX. I felt it would be smart to make him aware of the situation just in case it has to go further. They have recently responded to a request as of XX/XX/XXXX and stated that they will no longer responding to my cry for help or for information that shows my association to this company and alleged debt. In the letter attached XXXX XXXX XXXX claims I owe a balance of {$480.00}. However, this balance isnt listed in any of the accounts listed on my credit report! My question is where and how did they come up with this inaccurate balance and why are they reporting additional inaccurate balances on my credit profile. You say I owe a balance from XX/XX/XXXX. 
If that be the case, on what date or dates did the other alleged debts you are reporting on my credit profile originate? In your letter you stated that you verified your credit reporting on the referenced account number # XXXX. That is an admission that you did not verify your reporting on the other accounts your company is reporting or that specific account because there is no such balance listed on my credit report. You also stated that no inaccuracies were identified in the account or report. That is false as you are REPORTING A DIFFERENT BALANCE THAN WHATS IN YOUR LETTER. STOP REPORTING inaccurate and unverified information on my credit report BECAUSE it is stressing me in a way, I am unable to put into words. THIS IS A VERY SPACIFIC DISPUTE. I DEMAND THE DELETION OF ALL DUPLICANT ACCOUNTS FROM MY CREDIT REPORT. I DEMAND A DELETION of the account you claimed you verified but didnt. SHOW ME PROOF THAT YOU HAVE THE CORRECT PERSON, I AM AWARE THAT YOU GUYS MATCH POSSIBLE NAMES WITH DEBTS. ALSO, PLEASE TELL ME THE NAME AND ADDRESS OF THIS PERSON YOU SAY I OWE. I LOOKED UP THE NAME IN THE LETTER BUT THERE ARE EXACTLY 56 PLACES WITH THAT SAME NAME IN THE STATE OF TX. PLEASE  REPSOND TO MY DEBT VALIDATION REQUEST AND ADHERE TO TX FINACE CODE AND DELETE ALL THE LISTED ACCOUNTS FROM MY CREIT REPORT UPON THE RECIPET ON THIS NOTICE. Experian it is your job to delete these reporting 's since the company is not adhering to their terms with you guys

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