Consumer complaint received 2017-07-19
Company: Experian Information Solutions Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Complaint filed with CFPB XX/XX/XXXX I am asking for assistance in removing collection reports listed on my credit report with Experian and XXXX XXXX. I filed a dispute with the three credit bureaus ; XXXX, Experian, and XXXX in or between the months of XX/XX/XXXX and XX/XX/XXXX due to fraud accounts of which appear as negative information on my credit reports. The credit cards are from ( 1 ) XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, and XXXX XXXX. Another credit card is from ( 2 ) XXXX XXXX for XXXX XXXX. I submitted a request for validation of debt to ; XXXX XXXX and dispute to the three credit bureaus listed below. I was informed that XXXX XXXX sold these accounts to the following collection agencies ; ( 1 ) XXXX XXXX XXXX, XXXX, ( 2 ) XXXX XXXX XXXX and ( 3 ) XXXX XXXX XXXX XXXX , XXXX D/B/A XXXX XXXX XXXX. Initially, Experian completed their investigation which resulted in Experian removing all ( XXXX XXXX ), and the collection reports tide to ( XXXX XXXX ) from my credit report. However on XX/XX/XXXX the XXXX XXXX XXXX reappeared on my credit report deceasing my credit score. My complaint is with Experianc redit bureau because of negative information ( collection reports tide to XXXX XXXX ) continue to appear on my credit report ; even after I filed a second dispute with Experian. I have also made several phone calls and was informed these items will be removed ( please see attachment ). These items were not mine before XXXX XXXX sold them in the first place. I have asked them to please remove collections discussed above. ( 1 ) XXXX XXXX / ( 2 ) XXXX XXXX XXXX, XXXX/ ( 4 ) XXXX XXXX XXXX XXXX , XXXX D/B/A XXXX XXXX XXXX/XX/XX/XXXX Bureau ExperianXXXXCompare All Print OptionsToggle Dropdown Your Next Experian Credit Report is available in days. My Full Report My Score Tracker Simulate My Score My Alerts RATING : FAIR XXXX XXXX Your score is below the average score of U.S. consumers, though many lenders will approve loans with this score. XXXX XXXX FICO Score XXXX based on Experian data as of XX/XX/XXXX Experian credit report prepared for XXXX XXXX XXXX Your report number is XXXX Report date : XX/XX/XXXX Credit Report Toolkit : Credit Education Know your rights Summary of Results Our reinvestigation of the dispute you recently submitted is now complete. If we were able to make changes to your credit report based on information you provided, we have done so. Otherwise, we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary. Here are the results. If an item you disputed is not in the list of results below, it was either not appearing in your credit file or it already reflected the requested status at the time of our reinvestigation. If an item says Deleted, we have removed it from your credit report and taken steps so it does not reappear. If an item says Remains, it means the company that reports the information to us has certified it is reported accurately. If an item says Updated, your results may also indicate whether the information you disputed was updated ; that information about the item unrelated to your dispute ( such as a balance or date ) may have been updated ; or whether the information you disputed has been verified as accurate but other information unrelated to your dispute was updated ( such as a balance or date ). The current status of the item is included with your results, and you should look at the item carefully to see whether you believe it is now accurate. If our reinvestigation has not resolved your dispute, you have several options : You may add a statement of up to 100 words to your report. If you provide a consumer statement that contains medical information related to service providers or medical procedures, then you expressly consent to Experian including this information in every credit report we issue about you. You may contact the company that reports the information to us and dispute it directly with them. If you wish to obtain documentation or written verification concerning your accounts, please contact your creditors directly. You may provide us additional information or documents about your dispute to help us resolve it by visiting www.experian.com/XXXX. You may also mail your information to Experian, XXXX. XXXX XXXX, XXXX, Texas XXXX. You may file a complaint about Experian or the company reporting the item, with the Consumer Financial Protection Bureau or your State Attorney Generals office. If there has been a change to your credit history resulting from our reinvestigation, or if you add a consumer statement, you may request that Experian send an updated report to those who received your report within the last two years for employment purposes, or within the last six months for any other purpose ( the past 12 months for residents of Colorado, Maryland or New York ). If you send a request to have your results sent to past recipients of your credit report, please designate the organizations name and address. In the event an organization is not specifically designated, we will generally default to sending only to companies that have requested your credit information as a result of an action you took, such as applying for credit, insurance, employment or apartment rental. If interested, you may also request a description of how the reinvestigation was conducted along with the business name, address and telephone number ( if reasonably available ) of the furnisher of information. Thank you for helping ensure the accuracy of your credit information. For frequently asked questions about your credit report, please visit experian.com/XXXX. By law, we can not disclose certain medical information ( relating to physical, mental, or behavioral health or condition ). Although we do not generally collect such information, it could appear in the name of a data furnisher ( e.g. XXXX XXXX ) that reports your payment history to us. If so, those names display on your report, but on reports to others, they display only as MEDICAL PAYMENT DATA. Consumer statements included on your report at your request that contain medical information are disclosed to others. Know your rights. Experian XXXX. All rights reserved. Experian and the marks used herein are service marks or registered trademarks of Experian. Other product and company names mentioned herein may be the trademarks of their respective owners. XXXX XXXX, XX/XX/XXXX The results of the processing of your dispute ( s ) are now available. View the results instantly online. Your Report Number is : XXXX Your Investigation ID is : 01 Results Back to top How to read your results Deleted - This item was removed from your credit report Remains - This item was not changed as a result of our processing of your dispute. Updated - A change was made to this item ; review this report to view the change. If ownership of the item was disputed, then it was verified as belonging to you. Processed - This item was either updated or deleted ; review this report to learn its outcome. Please review your report for the details. Credit Items XXXX/XXXX Account Number : XXXX  .... Outcome : Updated - Information on this item has been updated. Please review your report for the details. XXXX XXXX/XXXX Account Number : XXXX .... Outcome : Deleted - This item was removed from your credit report. Please review your report for the details. XXXX XXXX Account Number : XXXX  .... Outcome : Deleted - This item was removed from your credit report. Please review your report for the details. XXXX XXXX Account Number : XXXX .... Outcome : Deleted - This item was removed from your credit report. Please review your report for the details. XXXX Account Number : XXXX Outcome : Updated - Information on this item has been updated. Please review your report for the details. XXXX XXXX Account Number : XXXX  .... Outcome : Deleted - This item was removed from your credit report. Please review your report for the details. XXXX Account Number : XXXX ... Outcome : Deleted - This item was removed from your credit report. Please review your report for the details.

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