On my Experian account there is a company reporting a collections account. I have filed a dispute with Experian and all they did was send a notice to the collection agency and did not ask the collection agency ( XXXX XXXX XXXX ) if they had documented legal proof that I owe this debt. I visited the office of this collection agency ( XXXX XXXX XXXX XXXX ) in XXXX, AZ. and they could not provide any documentation of any form. I sent them a registered letter requesting such information and I also contacted the physical therapy office and they could not provide any proof either, nor have they called me with any status regarding the claimed debt as they promised. I advised Experian and asked them why they did not require documented proof from the collection agency and they responded that the business can report to them any information that they want. I asked if they require the reporting business to have or provide any type of legal documentation indicating that the person that they are reporting negative information on their credit report, they indicated that no basically the reporting company can report whatever they want and Experian in their dispute process will only ask them if they want to continue reporting the information, whether or not they have any legal grounds to do so. 
My complaint is that the credit reporting agency in their dispute should require that the reporting client of Experian should be able to provide legal documentation regarding the information that they are reporting, especially in this electronic age where the information could easily be provided. And if the creditor or collection agency can not provide such documentation then it must be removed. 
If this agency had any legal documented proof they would have filed legal action against me long ago, as I have lived at the same address for over 24 yrs. 
