Consumer complaint received 2015-07-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Full detail provided in below attached PDF document. 
I accessed my free Experian credit report on XXXX XXXX, 2015. Prior to that date I had last looked at my credit report for refinancing my home a couple years prior. In the past XXXX years my credit report has reflected a FICO score of XXXX or higher, and is something I take very seriously and work hard to maintain. Thus when I saw that my credit report showed a past due account for which I was totally unaware, and which adversely impacted my FICO score, I inquired with Experian for detailed information on this past due account as I assume that it is incorrectly posted to muy account. I sent Experian a consumer inquiry via their webiste input screens as I assumed that the past due account was incorrectly posted to my account as I had never heard of the reporting company - XXXX XXXX XXXX . However, after XXXX days Experian reported via their website that regarding my inquiry, the " outcome remained the same '', which appeared to be a canned consumer response. I question seriously if anything was done at all, as I would expect XXXX to contact me regarding my inquiry so that we could rectify this incorrect posting. 
I then wrote a letter, attached below, and mailed it to both Experian and to XXXX regarding this past due account and in this letter notified them that I would wait XXXX days for them to respond and would then come to the CFPB consumer complaint portal to file a complaint. Today I placed XXXX more electronic complaint on the Experian website, where I attached the below letter. I have been unable to contact XXXX or to receive any communication what so ever from XXXX regarding this complaint. 
My main reason for this consumer complaint is to protest that XXXX is allowed to provide a past due notificaiton to my credit report without ever having made any contact with me what so ever. I have never had any communications with this Progressive company, have never spoken to anyone from this company, have never received anythign in the mail from this company, and when I inquired about this company to Experian, I have recieved XXXX information to allow me to investigate either this company of this past due account. 
Thus the reasons for my consumer complaint are, 1. ) I wonder how many other consumer accounts are being incorrectly reported by XXXX with XXXX consumer communications prior to these postings, and 2. ) I wonder if Experian has any guidelines for reporting companies or requirements that reporting companies show proof of consumer correspondence for such harmful postings. 

As in many cases, communications is the most important issue here and most consumers probably do not know about the CFPB consumer complaint portal, and are not as persistent as I have been. I am amazed that Progressive has received XXXX inquiry regarding my account from Experian and a XXXX inquiry from me and still I have recieved XXXX communications at all from this company which I have never heard of. I would believe that companies such as XXXX who are allowed to post derogatory credit reporting information against consumer accounts would be required to meet consumer contact requirements prior to making such harmful postings. The assistance of the CFPB in this matter is greatly appreciated. Thank you. 
P.S. Please note that I have selected above that this past due credit reporting comment is not mine, and while I certaily believe this to be the case, my complaint is that I can not receive any background response what-so-ever into this issue to prove if it is or ever was a valid account or who it really does belong to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation