Consumer complaint received 2022-09-07
Company: Experian Information Solutions Inc.
State: TX
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:
I am XXXX XXXX, and I am submitting this claim myself and no third party is involved in thismatter. I, XXXX XXXX, a natural person, have been injured because of Experian 's unfair and inaccurate reporting of an alleged debt. The amount of the alleged debt has been changing, but the last amount I received was {$2900.00} ) Experian along with XXXX XXXX XXXX ( AKA XXXXXXXX XXXX ) has tried to coerce me into paying this alleged debt by reporting it as accurate and complete. 

On XXXX 2022 I became aware of an alleged debt collection when it showed up on my Experian credit report. Instead of notifying me of this alleged debt, XXXX XXXX XXXX just reported it to Experian and had Experian put it on my credit report. I have initiated disputes With Experian multiple ways including but not limited to snail mail and phone. When I initiated the dispute via phone, within1 hour the information came back as updated and validated. Experian advised me to dispute the debt with XXXX XXXX. I have told this collection agency that I dispute the alleged debt and asked multiple times for debt validation and they have not met myrequest. ( Please see my last letter to them and the certified mail receipt attached ). XXXX XXXX XXXX has violated my rights under 15 USC 1681s-2 as well as my rights under the FDCPA. 

I have disputed the debt with Experian via mail and via phone, and let them know that I need detailed information. I do not recognize this alleged debt and no one can seem to validate it. Experian keeps statingit 's verified and updated. 

On XX/XX/2022 I mailed Experian a letter requesting the description of the procedure they used to reinvestigate the item placed on my report. They have not sent me anything, essentially ignoring myrequest, and violating my rights under 15 USC 1681i.I need the description of the procedure of the reinvestigation used by Experian so that I can get the same details they have that supposedlyprove the alleged debt is accurate. 

Our financial system here in the USA depends on fair and accurate credit reporting. I am being harmed because negative items are showing up on my report and institutions are being harmed because they are reviewing inaccurate information about me which could be a costly decision for them based on erroneous information. 

My goal is to have accurate and complete information about me reporting. I can't get Experian or XXXXXXXX XXXX to validate this debt or give me any details as to why they keep reporting this negative account on my report ; I continue to ask : what is the allegeddebt for, how the amount was calculated, when was the debt incurred, when did it first become delinquent, and why they thinkI even owe it. The undue stress caused by this unfairreporting is affecting my mental health, as well as my financial health. 

Experian XXXX XXXX XXXX XXXX will not respond to me with anything other than a generic note stating the debt is valid. 

Thank you for your time in helping me solve this matter. 

XXXX XXXX Please see the following Exhibits Attached : Experian File Number : XXXX Consumer report Exhibit A First letter Ever received from XXXX XXXX Exhibit B Last Letter to ExperianExhibit C Proof of deliveryExhibit D LastLetter to XXXX XXXX XXXX Proof Of delivery : Exhibit F

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