Consumer complaint received 2016-07-03
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have XXXX major problems going on right now and its across all XXXX bureaus. 
# 1 reinsertion of previously deleted items without required notification within 5 business days pursuant to section 611 # 2 " verification '' of information without providing the documentation that I requested that proves that these accounts belong to me - XXXX V XXXX states in no uncertain language that once I notify them that their results are wrong, they have to go beyond the original source of information to ascertain that the info they are receiving is correct. Congress also states that to be able to verify this information they actually have to have firsthand knowledge which means that they have to have the docs. 
# 3 Multiple accounts keep getting passed around from company to company and are also reporting multiple times concurrently which is illegal - only the company that actually holds the account can report it! 

Here is the body of my disputes to Experian : XXXX XXXX, XXXX,, XXXX are also being reported by another collection agency on Equifax - " Unknown Medical '' - same accounts - as well as the fact that you deleted # XXXX from my XX/XX/XXXX report and it is now reinserted on my XX/XX/XXXX report and you did n't notify me of reinsertion which means that it must be deleted under section 611. I also have not records of any of these accounts : XXXX, gen collections, unknown medical, XXXX XXXX XXXX, etc that are passing " my '' accounts back and forth between them! 

** I want to know how the same collection accounts are being reported by different collection agencies as well as being deleted and the reinserted and then reported by a different one and then passed to another? How do accounts go from XXXX XXXX ; UNKNOWN MEDICAL XXXX XXXX XXXX XXXX XXXX UNKNOWN MEDICAL = XXXX XXXX? How is this even legal??? ** Only the company that actually holds the account can report the account and not even one of them has been verified! 

This XXXX XXXX XXXX account is showing a balance that is the wrong amount and you also have a date opened that is different than what the other XXXX bureaus are reporting! So how are you verifying this account? By someone saying that they see my name a screen? Seriously?? 

XXXX XXXX does not belong to any records that I have and I either need to see the documentation that shows that this account actually belongs to me or it needs to be removed immediately! How are you verifying it??? 

XXXX XXXX is also being reported as XXXX XXXX XXXX XXXX ( XXXX and XXXX ) and only ONE of them holds the account - this is double jeopardy! Remove this immediately! 

XXXX XXXX is also being reported as XXXX XXXX ( on Experian ) and UNKNOWN MEDICAL XXXX ( multiple times! ) and only ONE of them holds the account - this is double jeopardy! Remove this immediately! 

You added XXXX XXXX XXXX XXXX as 60 days late and # 1 I was not 30 days late and # 2 I 'm sending proof that you are reporting this wrong! Experian has 30 days x3, XXXX has 60 days and XXXX has 30 days and all XXXX have different open dates! Fix this immediately! 

I 've already stated that I do n't know what XXXX XXXX is! Where 's the documentation that proves that this accounts belongs to me!??

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