Consumer complaint received 2017-04-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX act # XXXX reported that I was in collections as of XX/XX/XXXX and i was still an XXXX XXXX at XXXX however after contacting both XXXX for proof of being a XXXX XXXX they provided me documentation of enrollment and cancellation on XX/XX/XXXX! I also contacted XXXX and informed them that this was not valid debt and they did nothing so i begin my disputes through the CB 's. I submitted proof of the docs to experian and it stated clearly date canceled balance etc ... The representative told me that since it was fraudulently placed it would be expedited which it has not. The rep I spoke with the other day stated that they received the document and they forwarded it over to the collection agency and to see if they will allow it to be removed. After being on my credit for over 3 months of course it has a very negative impact and I am also being declined for other services due to recent collection reporting from XXXX. I also sent certified letters requesting immediate removal of this account and they are just blowing me off as usual and their validation is just via electronic without actual proof of documents etc ... I want this account deleted immediately. Second account is XXXX act # XXXX this account was in collections as of XX/XX/XXXX I realized that it did not belong to me after contacting the collection agency their response was to send in my Id and personal information and they would investigate however I will not be sending my information to a collection agency who could not send me proof of validation as well as experian not requiring them to do so. This account was listed prior and resold and started over the 7yr term with the new collection agency! I requested that experian remove this information if they could not do so in a 30 day time frame still nothing to this date of a signed document of mine or anything validating this account. Experian has the best interest of the creditors and the collections agency as this is how they make money this is not fair to consumers and I can no longer be held responsible for accounts that are inaccurate and that do not belong to me or I was n't notified legally of any debt just popped up on my report and that makes it mine! Unfair practices and this has to be resolved. Final account to be addressed is XXXX act # XXXX. This is the same ordeal as the issue at hand with XXXX. They illegally placed a debt account on my report and stated they notified me to some address that does not belong to me and they will not provide validation to me and I disputed this through experian but the collection agency response was we alerted you back in XX/XX/XXXX and this act will remain on your file. Despite my efforts of getting inaccurate information removed from my report via experian dispute process they are not providing me proof of what the collections agencies are provided to them as validation. Please help me resolve these issues as I know that experian could care less as long as they keep getting paid!

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