Consumer complaint received 2017-07-25
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Approximately 3 years ago I had a report put on my credit report that is not mine does not belong to me. The report was placed by a company called XXXX XXXX it was for an amount of {$910.00} they claimed it was a credit card that I did not pay. I never ever had a XXXX XXXX credit card ever. I proceeded to contact them and ask why they claim this belonged to me they said because it does. I asked numerous times for them to send me real proof or why they claimed it belonged to me. To this day they never have sent me any thing not one thing. This is because they can not they have nothing that proves this card ever belonged to me. They reported this to all 3 credit bureaus I proceeded to dispute this with all 3 of them. I asked them to give me proof or the proof they had that showed this to belong to me. After several investigations by XXXX they determined this did not belonged to me and they removed it. It took almost 2 years of filing and re-filing complaints to XXXX they finally did a proper investigation and removed it from my report. I filed all the same reports asking for proof from Experian they have not to date removed it. So this XXXX XXXX company turned this account over to a company called XXXX XXXX. I contacted them by phone and by letter many times. I asked them to send me proof this belonged to me I asked for it in writing to be mailed to me. To this day they have never sent me anything. While on the phone with them on more then 2 dozen times they yelled at me called me names lied to me even told me they were going to send me proof ( which they never did ) on several of the calls they even tried to say that they had all kinds of other debts on file that belonged to me which was all lies. This company has continued to lie they were unbelievably combative and abusive some of there people I spoke to cussed and swore and threatened me. I am at my witts end I have done everything by the book to get this off my report ( now Experian ) to no avail. This should be criminal! I would like to say I have always paid my bills on time ahead of time my entire life and am a very principled person this is why I continue to fight this injustice. Below is all I know about this account that remains on my Experian report. XXXX XXXX XXXX Experian - Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Factoring Company Account Status : Closed Monthly Payment : Date Opened : X/X/2014 Balance : {$910.00} Terms : 1 Month High Balance : Limit : Past Due : {$910.00} Payment Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Comments : Account in disputereported by subscriber This XXXX XXXX company has been causing me untold stress and so much money all over something that is not mine does not belong to me! XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX FDl, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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