Consumer complaint received 2016-04-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NJ)

XX/XX/XXXX I hired XXXX XXXX XXXX to help me with incorrect information on my Experian report. I had authorized them to speak on my behalf to find out why there was an outstanding hospital bill on my credit report. It shows that the original creditor was XXXX XXXX XXXX XXXX Hospital. It shows an XXXX on XX/XX/XXXX. Then a 3rd party collection agency by the name of XXXX XXXX purchased the debt. XXXX XXXX is located at XXXX XXXX XXXX XXXX, XXXX . XXXX, XXXX XXXX, NJ XXXX. On XX/XX/XXXX I was working full time for XXXX XXXX and had full health insurance coverage which would have covered the visit. I went to XXXX XXXX XXXX XXXX Hospital to retrieve documents that would show the actual contract that was signed agreeing to the services XXXX allegedly provided and received by me. When I went to the office they produced an itemized bill which is attached. They did n't have the actual contract to give to me. I handed the itemized bill over to XXXX XXXX along with my Experian credit report from XX/XX/XXXX which is also attached. When XXXX sent information challenging the debt and informing them that this is n't my debt, Experian said that they verified the debt which it is obvious they did n't if you look at the XXXX attached documents. First, the itemized bill shows a balance due of XXXX. But the attached Experian credit report shows a balance due of XXXX. I did not send any payments on the bill since I was not in the hospital on XXXX. The balance should match on both or the 3rd party collection agency should be more. Second, the itemized bill has my PO Box address. The PO Box is used for items ordered on the internet. Not for bills. Third, this debt has been charged off by XXXX who is the original creditor. It was removed from XXXX balance sheet. The Fair Debt Collection Practices Act supports my right to demand a validation of debt, documented proof that I owe exactly what is being claimed. But due to the different balances shown, how would a person know what is owed? An Affidavit of Destroyed Instrument is not providing any proof of the debt. That is no different then me saying I am XXXX XXXX 's long lost cousin simply because I said so. People would n't believe me until I provided documents to prove my claim is true. 
The law requires the credit reporting agency ( Experian ) to verify the credit information not the creditor. Experian must by law verify the items they are reporting on my report. They will need to produce the service agreement allegedly signed by me for hospital services on XX/XX/XXXX which they should have in their files. If they do n't, then they are proving that they never verified the information before putting it on my credit report. All information on my report MUST be 100 % accurate otherwise I require Experian to remove the item immediately. I believe Experian has been relying on what the creditor is stating instead of documents in their files showing the creditor 's accusations are true which is required by law. This has been going on for years now and has created a HUGE MESS and inconvenience to me and my family. Experian has foreign customer service representatives handling sensitive United States citizens credit accounts and information. Foreign workers for credit bureaus do n't have to abide by the privacy laws of the U.S. No wonder my information is being used in emergency rooms across America. 
I require Experian do real research with a human being looking into this. Using algorithms to match the last XXXX of my social security # and my name does n't verify anything. Experian lawfully must provide the signed agreement to prove this is my debt or by law they must remove it from the Experian report.