Consumer complaint received 2022-03-19
Company: Experian Information Solutions Inc.
State: MN
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:
In XX/XX/XXXX I was going to get furniture on a rent to own basis from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX ). I was unable to take delivery of the furniture as it was too big. I never owed them any money but they had already sent information to Experian. XXXX months later I discovered this when I tried to obtain credit elsewhere. I submitted a a paper dispute with Experian and the response I got was that the reporting business said it was reporting correctly. I then called XXXX XXXX XXXX directly. An investigation was started and I was ensured that it would be corrected as it was definitely incorrect. When I obtained a copy of my report in XXXX of XXXX, the account from XXXX XXXX XXXX XXXXXXXX was still showing on my Experian report. XXXX XXXX XXXX started reporting {$1900.00} in XX/XX/XXXX. My Experian report shows " Exceptional '' payment history since XXXX however, since I didn't owe anything and no payments have been made, {$1900.00} balance remains unchanged ( rather ironic to have exceptional payment history on an account that doesn't/should n't exist ). I called Experian on XX/XX/XXXX and opened another dispute for the same blatantly incorrect information. Less than XXXX hours later I get an automated email that says that the information on my report is reporting correctly per the company. So I called yet again on XX/XX/XXXX. Stated all the above information yet again, adding that I get automated responses indicating the information on my report is reporting correctly. I told the agent that someone needs to contact XXXX XXXX XXXX directly and talk to a human as that obviously wasn't done when I called on the XXXX. I said I don't not want to get another automated response. She assured me that it wouldn't happen this time because she put everything I told her in the dispute and assured me it would be corrected and removed from my report. So now, at XXXX am, less than XXXX hours after the dispute was opened, I get yet another automated response saying that the has indicated that the information is reporting correctly. I keep going around and around. The {$1900.00} has been reporting incorrectly for XXXX years now. it is hurting my credit it the longer it is on my report. I'm working hard to correct my score and it's hard enough with having almost XXXX that I don't know reporting as debt. I will be trying to purchasing a house in the 3 months, I need this off my credit report ASAP. I must have some recourse here. XXXX XXXX XXXX and Experian are in violation of the fair credit reporting act? Can they get away with the detrimental effects it's having on my credit for XXXX  years. Please Please help me

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 explanation