Consumer complaint received 2021-05-13
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:
*Experian listed a new account on my credit report from a company called XXXX on XX/XX/XXXX claiming that I owed {$300.00} on an installment sales contract that was opened on XXXX XXXX, XXXX. 

*1 Dispute was submitted on XX/XX/XXXX to Experian disputing this debt, and that I had no knowledge of this company nor had I signed up for any type of installment sales contract that consisted of {$300.00} of debt. Received Dispute back from Experian ( see attached results ) that was vague and said that the company that reported the information certified to Experian that the information was accurate. NO PROOF OR DOCUMENTATION was provided to me showing that this was indeed my debt. 

XXXX2 Dispute was submitted on XX/XX/XXXX to Experian disputing this debt and that I had no knowledge of XXXX and that I would like to have the documentation or proof they claim that the alleged debt did in fact belong to me and I was responsible for such debt. Received Dispute back from Experian XXXX see attached results ) with the same vague description that the company that reported the information certified to Experian that the information was accurate - AGAIN NO PROOF OR DOCUMENTATION WAS PROVIDED to me showing that this was my debt. 

*Received Letter XXXX see attachment ) from XXXX dated XX/XX/XXXX - First communication EVER received from this Collection Company stating that they were a billing company for XXXX XXXXXXXX XXXX XXXX XXXX and that they have been managing my account from the date I signed a contract on XX/XX/XXXX. Also, they stated that they have contacted me or have attempted to contact me by methods I provided - phone email USPS, or text. I immediately wrote them back ( see attached letter ) on XX/XX/XXXX, demanding validation of debt - requesting any and all documentation that the money they say I owe and for them to provide me with documentation that shows that I agreed to pay what I say I owed - specifically the signed contract by me dated XX/XX/XXXX and the statute of limitation for this debt had not been passed, and that they show me that this account was not paid in full as agreed. 

* 3 Dispute was submitted on XX/XX/XXXX, asking Experian to provide the information that this company provided to the credit bureau that certified the validity that this debt did belong to me and that I was responsible for. The response I got back ( see attached information ) was that the information was updated, negative marks were added to my credit report and no requested proof was provided by Experian to me at all. 

*Letter dated XX/XX/XXXX was submitted to Experian that they failed to provide me with reasonable procedures or proof that the accuracy in the information they publish as requested and demanded that they do so within 15 days allowed. I also requested that they correct my credit report regarding XXXX and provided reasons why it should be removed. No contract exists with my signature as alleged by XXXX. The statute of limitations is way beyond the four years for collections as dictated by the state of Texas. I requested that they provide adequate proof and validation of this account and the date and it be detailed and complete, if not the account should be removed immediately. 

*Letter received from XXXX dated XX/XX/XXXX ( see attached ) which provided no proof of a signed contract by me dated XX/XX/XXXX. The letter had a snapshot of a computer screen that showed nothing of any evidence that I owed the alleged amount. The last page of the letter had a client register that was incomplete and did not show all payments made but did provide a date for the statute of limitations to begin which was the date of the last payment made ( which according to my records paid the account balance to zero owed XXXX on XX/XX/XXXX. 

*4 Dispute with Experian was received XX/XX/XXXX ( See attached ) requested detail evidence and proof and nothing was provided but my credit file was updated with invalid date and additional negative payment information was listed -- ALL FALSE and INCOMPLETE *Letter was sent to XXXX dated XX/XX/XXXX ( see attached ) which let them know that the company did not provide me with the information requested. The information that was provided was inaccurate and the " signed contract '' dated XX/XX/XXXX that the company claimed to exist was not provided. I immediately requested that they remove my account and any derogatory information provided to any credit bureaus since they were not able to provide competent evidence that I had any legal obligation to pay I also told XXXX, the collection of this account from XXXX XXXX is without validity and should be removed for the following reasons : There is no signed contract dated XX/XX/XXXX by me with XXXX XXXX. 
The account was paid in full as of XX/XX/XXXX with a payment of {$100.00} XXXX see attached ledger and bank statements XXXX. 
The Statute of Limitations ( which is XX/XX/XXXX ) for this type of debt is 4 years in the state of Texas. 
The Credit Reporting Time Limit ( which is XX/XX/XXXX ) for this type of debt is 7 years which has already passed *5 dispute was made with Experian XXXX XX/XX/XXXX XXXX see attached ) in which a Letter was also sent to Experian XXXX see attached ) letting them know that the information provided by XXXX  was not valid and incomplete and that the account was paid in full I included documentation that shows that this account is paid in full, passed the statute of limitations, and passed the allowed Credit Reporting Time Limit . 
The information listed from XXXX XXXX XXXX XXXX ACCOUNT # XXXX is INACCURATE because of the reasons listed above and documentation attached to this letter. I have also provided the letter that I sent to the company listing the inaccurate information and requested that they fix their records and remove this account from my credit bureau file. I requested that the item be removed immediately. I enclosed copies of the account ledger of payments made with bank statements supporting my position. I wanted them to investigate this matter and delete the disputed account as soon as possible. The result I got from the dispute was the same as I had gotten the previous 4 dispute - textbook responses without any documentation or proof that the debt was valid and belonged to me. 

*6 Dispute sent to Experian XXXX XX/XX/XXXX - resending the information in the previous dispute and demanded that they actually read the information sent and remove this account immediately. I also let them know that I was reporting the Credit Bureau to the CFPB and if necessary would seek legal counsel for violation of my rights.

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