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Experian refuses to remove a derogotory item from my file after I produced certified letters I mailed to the creditor demanding verification of the debt the creditor never responded to. I spoke with creditor's billing department and was told they do not have any account with my name past or present. They also told me they do not show I ever opened an account with them. The creditor is TXU. I never had TXU as my electric provider. I then wrote to TXU demanding they remove the item from my credit report, they refuse. Experian states they have verified the debt and I demanded their method and documents, they will not respond. TXU has caused me to be denied credit. What can I do?