Consumer complaint received 2017-08-15
Company: Experian Information Solutions Inc.
State: NY
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:
This is my 2nd complaint against Experian and it will be my 2nd complaint against the collection agency as well and I will be submitting a complaint against the original credior this evening. I will also be making complaints with attorney general and BBB. For the original creditor themself, I will be submitting my press release to 150 publications as well as XXXX and XXXX. I am attaching the letter I sent to XXXX XXXX on XXXX/XXXX/XXXX where I specifically asked to " please send a breakdwon or itemized invoice for costs & expenses which should clearly identify costs and expenses provided along with costs and expenses incurred. '' I received a 1-line " itemized '' statement which says " court testimony and prep '' for {$540.00}. This is NOT at all, in any form what I requested which means that Experian also does not have this information, which means that they can not legally state this has been verified. Therefore, they are illegally reporting an account as " verified '' when it was not. This would not hold up in any court of law. I ca n't understand how no one 's fixed this issue and the blatant disregard for federal law. It seems that the Consumer Financial Protection Bureau does n't really even " protect '' consumers either because you 're just accepting what the credit bureaus and creditors are saying. If you look back at my complaints you will clearly see that XXXX XXXX responded and said they sent me the requested information. If it was sent to me, I would n't be requesting it, and if it was sent to me, they would n't have an issue furnishing it, would they? Collection agencies do NOT obtain the original contracts or any documentation except for in situations of lawsuits during the discovery process, so I know for a fact that they never had anything to send to me in the first place. In regard to Experian, how are they verifying this account as accurate or " verified '' when the collection agency has not produced anything? Congress states in XXXX XXXX XXXX XXXX that they need to have the physical documentation to ascertain that this account # 1 belongs to me ; # 2 is verfied as accurately reported ; # 3 meets the requirements of the FCRA. NO ONE AT ANY TIME FURNISHED THE INFORMATION THAT VERIFIES THIS ACCOUNT and for that reason alone, it does NOT meet the requirements of the FCRA. HOW was this account verified? What documetnation was provided to Experian to make the determination that it 's reporting accurately? I requested numerous times the breakdown of the bill including receipts and at no time, like I already stated, was this provided to me. I want to know EXACTLY how this balance was achieved. The original creditor was paid the required expert witness fee already and then I received a bill without receipts. I requested an itemized statement showing the allowable expenses ( once again, with receipts ). I am tired of hearing from Experian that this has been verified with no proof. What method did they use? What procedures were done? Who did they speak with? What dates did this occur on? Using XXXX to contact XXXX XXXX and then sending me a statement that this has been " verified '' is not legal and will not be accepted by me, nor should it be! How is any of this legal? ********See the proof attached which clearly shows that this debt was never verified and for that reason, it was never paid. It is illegal to charge for services that were not rendered and those that I did not agree to pay or owe.

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