Experian Credit Reporting Complaint

Experian Credit reporting department,

Credit reporting company's investigation No notice of investigation status/result New York

Last year I noticed an account on my credit report that should not have been there from -.I never received any bills in the mail that I owed them any money.I never received a phone call regarding an outstanding balance.The balance was just reporting on my credit report which violates the FCRA laws put in place by the FTC to protect consumers from frivolous debt.I contacted the company and they refused to update the information.I filed a dispute with Experian and experian responded back that the debt was validated yet refused to show me how it was validated and what information they relied on to validate the debt itself.This is in violation of the FCRA as well.Both Experian and - are now making it impossible for me to get qualified for a mortgage as I was told by my mortgage counselor I would have to pay the erroneous debt.This is debt that I am not legally responsible for.I financed an insurance policy with - and then decided to cancel after 6 months as I switched the vehicle to a commercial use vehicle and it required different insurance.- received each monthly payment from me.At the time of the cancellation of the policy, - failed to recalculate the interest that was charged to my account.This resulted in them showing I owed a balance.I am not responsible for interest charged but not used.I cancelled the policy before year end.When the policy started, I was charged interest for a FULL YEAR on the loan.I did not finance the policy for a whole year so I should not be responsible for the interest.Not only is - and Experian ruining my credit, but they are also charging me for something I do not owe. That is THEFT and ILLEGAL.