Consumer complaint received 2017-04-12
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
On 2 separate occasions I filed disputes in regards to an XXXX XXXX account that does not belong to me. I requested that the account be properly investigated as it does not belong to me. I also asked for any physical proof or documentation showing that this account was opened by me be sent to me or that any documentation that the credit bureau used to " verify '' this account as belonging to me be sent to me. XXXX has not and can not provide me with any physical contract or documentation showing that I opened an acct with them. On both disputes Experian responded back saying that the account has been verified but has not sent me any proof or documentation that was used to so call verify this account. The dispute with Experian that was closed on XX/XX/XXXX has a statement from Experian stating that Experian does not actually verify the account information but instead they rely on information obtained from the furnisher or vendor that is reporting the information. Per the FCRA Experian is supposed to do their own investigation and also keep physical documentation of how the account was verified. Experian has failed to do a thorough investigation and by their own admission they relied solely on another source to verify information which is in violation of the FCRA. Relying solely on an outside source to verify information is not validating or verifying an account as belonging to me because that same outside source has not provided any physical proof. Furthermore if a thorough investigation had been done Experian would have determined that the XXXX account has been sold to XXXX separate collection agencies and that would make me no longer liable to XXXX XXXX if the account did actually belong to me. But neither XXXX, the collection agencies nor Experian can show me any physical contract with my signature or photo ID that would have been needed to obtain an account. On the same dispute that I filed in XX/XX/XXXX I also disputed an account listed as " XXXX '' on my credit report. Experian closed to dispute and stated that information had been verified, however on the account history for XXXX Experian has it listed as " Filed Chapter XXXX bankruptcy XX/XX/XXXX ''. Experian failed to do a thorough investigation of this account as well and again relied solely on an outside source which provided inaccurate information. I filed bankruptcy in XX/XX/XXXX so there is no way possible that Experian could have really verified that this account was included in a XX/XX/XXXX bankruptcy considering the fact that my bankruptcy had n't even been filed. Experian has not verified the account as required by the FCRA. Per the FCRA any inaccurate or unverified account must be deleted. I am demanding that XXXX XXXX and XXXX be deleted since a thorough and accurate investigation was not done by Experian within the 30days.

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