Consumer complaint received 2015-05-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

Ref : XXXX Account ending in XXXX or XXXX as listed with credit bureausOn XXXX XXXX, 2013, a hearing was held in the XXXX XXXX XXXX Florida to determine the status of multiple creditor 's claims, in correlation with my Chapter XXXX 100 % payout. This hearing was necessary because the number of claims submitted by the same collection agency clearly indicated a pattern of fraud. I also had no personal records or knowledge of the majority of these accounts. 

This hearing resulted in more than XXXX creditor claims being stricken in their entirety. Most of the creditors could not produce legal verification documents, and other 's produced documents indicating another consumer, unknown to me. 

Armed with this information, XXXX days later I sent letters to Experian, XXXX, and XXXX with a complete list of each unverifiable and/or fraudulent account. I knew each account was unverifiable or fraudulent and was confident the credit bureaus would remove this derogatory information from my credit reports. Instead, each bureau responded with " accounts verified. '' No legal documentation has ever been provided. ( Attached ) On XXXX XXXX, 2013, I disputed the above referenced account directly with XXXX, and requested specific physical documentation as legal verification. ( Attached ) On XXXX XXXX, 2013 XXXX written response to my XXXX XXXX, 2013 correspondence states : " Your account has been sold to XXXX XXXX XXXX '' ( Attached ) Recently, I contacted XXXX customer support center via phone, and was further told : " Your account was been sold to XXXX XXXX, all records associated with your account are in their possession. " So I am currently left with : XXXX as the alleged original creditor admitting they do not have records to verify this account. 
Credit bureaus that claim they have " verified ' this account, yet refuse to provide proof. 
XXXX XXXX, the alleged purchaser of this account, denied a claim in federal court, due to lack of verification documents and/or documents reflecting another consumer 's name. 
The knowledge that this account does not belong to me. 

It should be noted : XXXX XXXX has stopped reporting this account, and XXXX other accounts, to the credit bureaus. 

I can offer you no greater proof that a specific account does not belong to me, than a creditor 's claim being " stricken in it 's entirety '' by a federal court, as the federal court rules for legally verifying a debt are in direct correlation with the FCRA and FDCP rules for collection and reporting. As such, I have just obtained copies of the court orders striking unverifiable or fraudulent claims from my Chapter XXXX bankruptcy. ( Attached ) I have also acquired a final claim summary from the trustee 's office. You will note XXXX did not even attempt to place a claim. Please also note the numerous accounts indicated as stricken match the original list sent to Experian. ( Attached ) Normally it would be difficult to understand why any creditor would pass up an opportunity to get paid in full, but my exhaustive efforts have proven, no one " reporting '' these accounts can provide verification. 

I will forever wonder " how '' Experian verified any of the questionable accounts. 

It is my understanding, if an account can not be verified. It can not be reported.