Consumer complaint received 2020-05-27
Company: Experian Information Solutions Inc.
State: MS
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:
Both Experian and XXXX  have been given adequate documentation regarding identity and contractual obligations, and other correspondence that would call for an immediate deletion of an erroneous collection that was so easily placed on my credit file as well as my wife 's. In XX/XX/XXXX, I've uploaded, made phone attempts, sent certified mail to both bureaus and it has not resulted in not only the expected outcome but the correct outcome which is to delete the collection account. I spoke with Experian on XX/XX/XXXX and the dispute agent literally danced around the notion of hearing me out. I spoke with an agent with XXXX on XX/XX/XXXX and no follow up. 

On XX/XX/XXXX I reached out to the collection company to get a better understanding as to what was taking place given the fact that I was totally blindsided by the debt that was just so easily placed on not only my credit files and my spouse 's as well. I reached out to the original owner of the alleged debt and they supplied me with crucial information that essentially protects me from actions such as what this collection agency is attempting to do, so I then reach out to the collection agency ( XXXXXXXX XXXX XXXX/XXXX XXXX XXXX ) and spoke with XXXX. His belligerent attitude and abusive tone was unacceptable. Please be aware that the debt was only showing on my wife 's credit files for nearly a month up until after the day that I called them.The original owner of the debt would not speak to me because the debt was deemed to be owned by my wife. After I endured that abusive behavior from XXXX XXXX XXXX, the debt was subsequently placed on my files with 2 of the major credit bureaus out of retaliation and a poorly constructed demand letter was sent to me, only by my request. This was not a coincidental case or a timing issue ; they literally place this debt on my files to intentionally ruin my credit. They claim to have been in possession of this debt since XXXX but they wait until XXXX, strategically around when everyone received their stimulus checks to place a 7-10 year old debt on my ( wife included ) credit file. I will say in their defense that they have clearly been misinformed about this account but not to a fault of mine as this is the cost of doing business. On XX/XX/XXXX, I asked for specific documents to prove the validity of the debt and they sent me a demand letter for a person that lives in XXXX XXXX, LA, ( clearly not me ), a 10 year old forged contract and a letter stating that they purchased this alleged debt that I owe. That's  not proving anything. The specific documents that I asked for were itemized statements showing the dates of delinquency, their capacity in which why they are in a position to collect and how they came about with the amount of {$960.00}. They were not able to produce anything other than what I stated which is saved in our email correspondence. At this point, I don't need to see any " smoking-gun '' document or any subsequent documents from them after I have already asked for everything involving this debt. My demanded resolution is for this debt to be removed from both my credit files as well as my wife 's credit files immediately and for the credit bureaus to stop being complicit in reporting such erroneous accounts, specifically with this company ( XXXX XXXX XXXX/XXXX XXXX XXXX ) without performing some sort of proactive due diligence.

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