Consumer complaint received 2020-08-28
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Experian is reporting 7 collection accounts which are negatively affecting my credit score. Dispute letters have been sent asking to verify the debt and no proof has been provided. Please see below the following accounts in question : XXXX XXXX XXXX  Unknown - credit extension, review, or collection with account # XXXX opened on XX/XX/XXXX and a balance of {$260.00}. 
I previously disputed this account and it was never verified by the creditor but its still on my credit report. 
USDOE/XXXX  XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$330.00}. The original creditor is XXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$940.00}. The original creditor is XXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$830.00}. The original creditor is XXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$950.00}. The original creditor is XXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$500.00}. The original creditor is XXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it. 
Collection account from XXXX XXXX with account # XXXX and a balance of {$2200.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it. 
Please re-investigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.

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