Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

This complaint is regarding a collection item on my credit report with all 3 credit bureaus for XXXX XXXX XXXX XXXX XXXX, Acct # XXXX. 

I have sent letters for debt verification on multiple occasions for the company to provide proof that the debt that they are reporting is mine due to me not ever requesting, applying for, or using the credit card that the collection agency is reporting as my debt. I have also sent letters to the 3 credit bureaus, requesting the removal of this account from my credit report. 

The first letter that I sent was dated XX/XX/XXXX, and was sent directly to XXXX XXXX XXXX ( XXXX ) explaining that the debt being reported was not mine. The letter was received by XXXX on XX/XX/XXXX. In the letter, I requested for XXXX XXXX XXXX to provide the following : " 1 ) An explanation of what this alleged account balance is for. 
2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt.

4 ) The Agreement that grants you authority to collect on this alleged debt. 
5 ) A copy of your state license, including license number. '' On XX/XX/XXXX, I received the first response from XXXX XXXX XXXX stating that they received my written dispute for the account and " to properly investigate this dispute may take more than 30 days, as only 30 days is seldom a sufficient amount of time for such research and investigation. '' The next response that I received from XXXX XXXX XXXX was received on XX/XX/XXXX which said " Enclosed, please find copies of the information you requested in your communication dated XX/XX/XXXX. '' Enclosed with the response was what appears to be a single bill from XX/XX/XXXX that was sent to an address that I have never lived at. This address also does not show as an address that I have lived at on any of my credit reports with the 3 credit bureaus. XXXX XXXX XXXX did not provide any of the 5 items that I requested on the letter that I sent to them dated XX/XX/XXXX and refused to remove this account from my credit report. 

On XX/XX/XXXX, I sent letters to the 3 credit bureaus explaining that I had disputed the account information being reported by XXXX as being inaccurate. However, the XXXX account has not been removed from my credit report. It is clear that a thorough investigation was not conducted by any of the credit bureaus, as based off of the information I had been provided regarding the account and the proof that I received that the debt was mine, a thorough investigation would have shown that the company does not have, has not provided and can not provide sufficient proof that the debt that they are reporting is mine. 

I received a letter dated XX/XX/XXXX from XXXX stating that they received my written dispute for the account and " to properly investigate this dispute may take more than 30 days, as only 30 days is seldom a sufficient amount of time for such research and investigation. ". As of the date of this dispute XX/XX/XXXX, no response has been received from XXXX. 

There is nothing that has been provided to me or to the credit bureaus that has provided sufficient evidence that the debt being report by XXXX on Acct # XXXX, is a legitime debt that belongs to me. I request that this account be removed immediately from my credit reports with XXXX, Experian and XXXX. 

Thank you and I look forward to a satisfactory resolution to this issue.