Consumer complaint received 2017-10-26
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:
After disputing the following account : XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX for months. It still remains and should not be. These two alledged debts have been causing havoc in my personal life. So the reponses I get from these TWO credit bureaus when I disoute it is : Verified and to provide proof. Now as I say this. I pray these bureaus and whoever else actually read. Because I know that what Im sending can not possibly be getting read. First, a CONSUMER ca n't provide proof of anything if it doesnt belong to them. So stop saying that ridiculous tired line. The COMPANY supposed to contact the consumer first then provide proof and verify a debt the consumer is disputing, before even placing on anyone 's credit report BY LAW. XXXX nor Experian is not verifying these alledged disputes. For it is easier for them to send the same written response WITHOUT a little bit of effort to investigate. Apparently these two bureaus need a new investigation team who actually works. It has also been clear to everyone that the credit bureaus even work with these companies and give them information if they do not have it to properly verify the account. Which is ILLEGAL. It 's so funny how a company have nothing about you and all of a sudden they have it. And these companies specificially told me, that the bureaus gave them date of birth, address and proper names. Wow! Amazing. Talk about breaking the law. So I have contaced my local Attorney general office, state rep and an a attorney. I have no proof to provide showing anything because it 's not mine to begin with. Neither one of these companies have never contacted me before this was placed on my credit report nor have they contacted me or sent any proof after placing these alledged debts on my credit report. I ca n't come to grips with how easy it is for a company to add a alledged debt that is not mine to my credit file. And it 's XXXX for me to get it off. These alledged debts has not been verified at all. There is no tracking info, no trace of any mail coming from these companies according to XXXX  Nothing! However this is still on my credit file. Something has to be done with these credit bureaus not doing there job. It 's no possible way. The bureaus need new investigation departments that actual follow the law and work. Its so many consumers daily disputing incorrect debt till the credit bureaus are not doing there job correctly. XXXX  is the only one that I can say is doing a job well done. Neither of these debts are on my XXXX report because the companies did not have proper demographics and never sent proof to verify debt. So it was removed in 30 days. This is the exact reason they are trying to pass a law, not to be able to sue the credit bureaus. Because the credit bureaus are breaking the law daily. But I have signed the petition not to pass this law. Why would we need a law in place if the bureaus are following protocol. Because they are not.

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