Consumer complaint received 2015-05-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a complaint against XXXX collection agency of XXXX XXXX, TX with your agency in XXXX XXXX, 2014 for this collection agencys violations of my rights under the Texas Fdcpa, the FDCPA, and the FCRA by leaving XXXX accounts that they failed to validate on my credit reports, not immediately reporting these XXXX accounts as disputed by consumer to any credit bureau, reporting inaccurate and defamatory information on my credit reports, etc. This collection agency neglected to provide me with anything at all - let alone any documents which suggests any of these XXXX debts that they reported on my credit report actually belong to me despite receiving my DISPUTE letter and written request for validation in XXXX, 2014. I notified them again in XXXX, 2014 that they violated my rights under the Texas FDCPA, the FCRA, the FDCPA by neglecting to validate these XXXX accounts yet continuing to report these XXXX accounts on my credit report and by their refusal to notify the credit bureaus that this account was disputed by consumer and I demanded the immediate removal of these UNVALIDATED XXXX accounts from my credit reports as required by the state and federal credit laws. My second letter was ignored, Upon my complaint to your bureau, XXXX ignored your requests for two months until I called the credit bureaus and disputed the accounts with them. On the very day that I disputed these XXXX accounts business and professionals decide it is now time to respond to your requests two months later. Please see my original complaint against this company with your bureau. At any rate, XXXX and XXXX removed these XXXX accounts from my credit reports upon XXXX admittance that they failed to validate these accounts to me and could not validate these accounts as mine as they are not my debts. Experian, however, dropped the ball and I had to redo my DISPUTE with Experian of these XXXX accounts which XXXX neglected to validate to me per my written request they received from me in XXXX and also which XXXX never contacted me about nor provided me anything at all - absolutely nothing - regarding these XXXX accounts that are not mine that they can not validate because they have nothing to validate these XXXX accounts as mine simply because they are not my debts and this collection agency knows that fact since receiving my complaint about their violations of my rights under the FDCPA, THE FCRA and the Texas Fdcpa with your agency on XXXX. Now, EXPERIAN states those XXXX debts are verified by XXXX and refuse to remove these XXXX UNVALIDATED accounts that I do not owe that XXXX neglected to validate as mine within 30 days of my written request that XXXX received in XXXX off my credit report, Experian is violating my rights under the FCRA and the FDCPA by leaving XXXX accounts that XXXX FAILED TO VALIDATE AS MINE ON MY CREDIT REPORT. TO THIS DAY, I HAVE NEVER RECEIVED NOTHING FROM XXXX REGARDING THESE XXXX debts that I disputed and demanded debt validation to me in writing from their collection agency in XXXX and had to report to your bureau in XXXX. XXXX and XXXX removed these XXXX UNVALIDATED accounts from my credit reports now Experian needs to follow the law and do the same. UNVALIDATED accounts can not be reported on a consumers credit report.

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