Consumer complaint received 2022-12-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Complaint:
On or about XX/XX/XXXX I received an email stating that a new collection was placed on my credit report and if I did not recognize it that I could file a dispute. The name of the company was XXXX XXXX and the response came from a company name XXXX XXXX XXXX ( neither company I have done business with ) On XX/XX/XXXX I sent a debt validation letter via certified mail ( Article Number via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX by XXXX XXXX ) to XXXXXXXX XXXX  asking that they verify the debt along with a list of requested proof of existing debt or relationship to their company and how they are the actual owners of the debt. On a letter dated XX/XX/XXXX I received XXXX letters from XXXX XXXX XXXX dated the same date XXXX letter stated they initiated a review of my inquiry. the XXXX letter stated they were attaching an account summary to serve as validation of the debt. Which in turn did not complete my request for full disclosure of the alleged debt. Per their account summary the Amount past due XXXX to XX/XX/XXXX was {$280.00} from XXXX XXXX XX/XX/XXXX was {$730.00} and the new balance was {$980.00}. Additionally on their account summary it also shows the credit limit of only {$300.00}. So how can there be an additional {$690.00} added to an account with a {$300.00} limit? On this summary page as well where it states XXXX totals for year to date the amount only shows {$210.00} with total interest being {$88.00}. Again, their math is not adding up. I disputed this inaccurate information with XXXX, Experian, XXXX as well as the CFPB case number XXXX. 
With XXXX, I disputed the charges on XX/XX/XXXX and XX/XX/XXXX where on both dates they used the same exact dispute case number XXXX in which they stated the information was verified and validated. I called into XXXX customer support in which the agent asked me a bunch of questions and have me clear my cache and cookies when I explained to him that I already had access to my account and it was about a dispute that I had a issue with. He again continued to have me go through some troubleshooting steps when I told him XXXX separate times that it was regarding a dispute on my credit report. The agent placed me on hold and at that point I requested to speak with a supervisor. I was given a case number ( not even sure if it is valid ) XXXX and transferred to the supervisor. After waiting on hold for about XXXX minutes a supervisor answered. Went thru the entire purpose of my call he then states I have the wrong department. Sends me over the the " Dispute '' department where I get a representative named " XXXX '' I give him the dispute report number and he pulls up my account. He asks what can he help me with. I ask him why both of my disputes have the same dispute number? He doesn't answer my question. I then ask him what steps did they take to validate the debt and what information was provided to XXXX to insure the debt was correct? He says we send them ( the company ) in the dispute a form to fill out. I stopped him right there and I again asked him what documentation did they provide? He again acted like he didn't hear me. So I continued to ask the same question over and over to let XXXX know that I see that he is refusing to answer my question and I also informed XXXX that as a consumer I have the right to receive information that is having adverse effects on my personal life and causing me undue XXXX distress as I am a XXXX veteran and this inaccurate reporting on my credit report has caused me unfavorable decisions in the process of buying a home. I continued to ask " XXXX '' for his employee ID and the case number for our conversation he refused to provide either. He then became indignant with me and hung up in my face after repeatedly refusing to provide me with any information to settle the dispute with my account. 
XXXX has removed XXXX XXXX from my credit report as of XX/XX/XXXX.

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 explanation