Consumer complaint received 2019-06-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX Account # Account Number : XXXX Charged Off XX/XX/XXXX. 
Sold Off to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX Settled in Full with XXXX XXXX on XX/XX/XXXX. Representative that assisted me was named XXXX at XXXX. 
Settlement was with the agreement for XXXX/XXXX to be deleted from my credit report. However 9 months later they have not deleted XXXX from my report and now say there is nothing they can do. 
My complaint is that deceptive tactics were used to collect money from me at the time of my settlement with XXXX. XXXX XXXX or XXXX XXXX XXXX was deleted and XXXX/XXXX remains on my credit reports. I followed up with XXXX or XXXX and they say they have done their part and deleted XXXX but that there is nothing that can be done with the original creditor XXXX/XXXX   which is not what we had agreed to when they took my money or collected. I feel that clearer expectations should have been made prior to collecting on the debt. I was told that XXXX/XXXX would be removed as part of our agreement. 

Also, Spoke to a Experian representative about inaccurate balance history and the Experian representative said that performing a dispute would be a waste of time for the creditor and that if they did not respond that nothing could be done about the inaccurate balance reporting. The representative specifically said that XXXX has control over the reporting and there is nothing they can do. ( even if I provide evidence to them ) Credit Bureau Experian insists on retaining incorrect balance information even with no response from back from XXXX/XXXX. They summarize their investigation with " Purchased by another lender. '' Meanwhile XXXX the lender who purchased the account insists that there is nothing they can do about the reporting despite our pay for deletion request and despite incorrect balance reporting. I am stuck between a rock and a hard place with neither XXXX delivering on their promise or Experian willing to address the mistakes in reporting despite a clear letter sent from XXXX to me. 

XXXX mailed me a statement indicating that my final balance should reflect {$1700.00} meanwhile Experian continues to report that the account was charged off with a balance of {$1900.00} written off. ( attached a document of XXXX XXXX   validation statement ) which was mailed to me at some point in XXXX. 
This is the investigation summary from Experian : Report Number : XXXX Date Generated : XX/XX/XXXX Recently Closed Dispute with Experian. 
Comments from Experian Completed investigation of FCRA dispute - consumer disagrees. 

Purchased by another lender. 

Reinvestigation Information This item was updated from our processing of your dispute in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief