Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

To whom this may concern, I would like to file a formal complaint against EXPERIAN, XXXX XXXX and XXXX XXXX XXXX XXXX. 
It is illegal for a debt collector to report the same account to your credit report again after the account has been deleted previously. 
XXXX XXXX used XXXX XXXX XXXX {$930.00} : on XX/XX/XXXX to report an account that is not mine on to my credit report. On I disputed this account with EXPERIAN as not mine. 
XXXX XXXX sold this account to another company during the dispute of this account because they knew it wasnt validated and was coming off. On XX/XX/XXXX XXXX XXXX hired XXXX XXXX XXXX to report this account to my credit report while XXXX XXXX XXXX XXXX dispute was pending. XXXX XXXXXXXX XXXX XXXXXXXX was removed off of my credit report XX/XX/XXXX. Report # : XXXX Now XXXX XXXX XXXX XXXX XXXX is reporting the same debt account on my credit report for {$930.00}. XXXX removed it from my credit profile but EXPERIAN is refusing to do so. I filed a XXXX  and CFPB complaint against XXXX XXXX and XXXX XXXX. I have requested that XXXX XXXX XXXX XXXX send me a purchase agreement with my signature for this debt. They refused to send it and only sent me a bill that I do not owe, the bill has addresses on it that Ive never lived. Neither address is on my credit report. During this XXXX  complaint I asked XXXX XXXX  for proof that the debt belonged to me by sending my drivers license and purchase agreement with my signature and they stated they dont have either that anyone can open an account up by calling or online no documents needed. I asked them how can they validate that it was me if they have no solid proof that its mine. During the time this account was open we own our home. We purchased our home XX/XX/XXXX. I refused to send them my social security card or license because EXPERIAN already has these things. 
EXPERIAN told me yesterday that if a debt collector says someone owes the debt they have to report it thats how they do their investigations no matter if I send in proof that its not mine the creditor has to be the one to say remove it. Which is very unfair being this account does not belong to me. I filed a FTC identity theft report online and sent that in to all XXXX companies and as well as my deed to verify where I lived during the time this account was opened. XXXX attach the Certified mail receipts with this letter, I also asked for proof that I owned this debt multiple time and they have ignored me and asked for me to send them more things, but they refuse to send me any proof that this account is mine. 
XXXX XXXX told me that even if Im saying its not mine some people just pay the debt anyways just to get it in good standing on their credit report. I refused to do that because I do not owe this debt. If it was mine I would of gladly paid it. My mom and I got our house XX/XX/XXXX. They said to show proof of where I lived 18 months prior to the charge off of the account which it charged off in XX/XX/XXXX. I showed the proof. 
Before I hire an attorney to help me fight this I was told to contact the State Attorney Generals office., Ive mailed sent Experian XXXX certified mail and have not gotten an update besides my dispute was denied and still remains no proper explanation XXXX TRACKING FOR THE LETTERS : XXXX DELIVERY TODAY XXXX DELIVERED