Consumer complaint received 2019-07-10
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This complaint is against XXXX XXXX XXXX XXXX, Account No. XXXX and XXXX XXXX XXXX XXXX, collection agency on behalf of XXXX XXXX XXXX XXXX regarding 2016  XXXX XXXX financed by XXXX XXXX XXXX XXXX. Complaint involves XXXX XXXX XXXX XXXX not honoring settlement made with XXXX XXXX XXXX XXXX. 

I am a XXXX retiree. On XX/XX/XXXX while I was driving the XXXX XXXX, I experienced a health crisis and crashed onto the sidewalk and hit a tree which stopped the vehicle from further destruction. I was hospitalized for 7 days at the XXXX Hospital Center in Washington, D.C.  The cost of the medical treatment I received in the hospital and follow up medical treatment I received as an out-patient was substantial. I had to pay 20 % of the hospital bill, co pays for follow up office visits and purchase medications. The unexpected substantial medical expenses caused a financial hardship for me. Due to the financial hardship I fell behind on my monthly car payment to XXXX XXXX XXXX XXXX. 

I received a letter dated XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX XXXX XXXX ( XXXX ) stating that the XXXX XXXX XXXX XXXX account was placed with XXXX for collection. On XX/XX/XXXX, I contacted XXXX to negotiate a settlement agreement. XXXX XXXX, representative for XXXX and I came to an agreement of the conditions of the settlement. The conditions were that I would pay {$2000.00} to settle/close the XXXX XXXX XXXX XXXX account in exchange for removal of the account from my XXXX, Experian and XXXX credit reports. 

Recently upon reviewing my credit reports, I discovered the XXXX XXXX XXXX XXXX account was on my credit reports with an outstanding balance and derogatory tradeline. On XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX to let them know that the XXXX XXXX XXXX XXXX   account had not been removed from my credit reports. For some insufficient reason I was no longer able to speak with XXXX XXXX who had entered into the settlement agreement with me. So I spoke with XXXX XXXX with XXXX who told me that XXXX does not remove accounts from credit bureaus and that I need to contact XXXX XXXX XXXX XXXX to request removal of the account from my credit reports based on the conditions of the settlement agreement. XXXX XXXX didnt honor XXXX part of the settlement agreement to remove the XXXX XXXX XXXX XXXX account from my credit reports. XXXX XXXX collected the {$2000.00} from me but then was misleading regarding the removal of XXXX XXXX XXXX XXXX account from my credit reports. He negotiated with me utilizing deceptive acts and practices when he misled me to believe he would remove the XXXX XXXX XXXX XXXX account from my credit reports as a condition of the payoff settlement agreement. 

So as instructed by XXXX XXXX, on XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX and spoke with XXXX ID : XXXX who told me the XXXX XXXX XXXX XXXX account was not settled/closed and that XXXX XXXX XXXX XXXX is seeking an additional {$4000.00} to settle/close the account and remove it from my credit reports. I believe XXXX XXXX XXXX XXXX   and XXXX XXXX XXXX XXXX are violating the FCRA by attempting to double charge me for the same account. If XXXX was collecting debt on behalf of XXXX XXXX XXXX XXXX, is it legal for XXXX XXXX XXXX XXXX to request an additional {$4000.00} settlement after I have settled with XXXX? I am requesting XXXX XXXX XXXX XXXX honor the settlement agreement I made with XXXX XXXX XXXX XXXX and remove the account from my credit reports. 

Through the Maryland Housing Program, I am currently an applicant for an apartment in a senior and XXXX community. After being on the waiting list for over 6 years I dont want to get an adverse decision because of the derogatory XXXX XXXX XXXX XXXX account on my credit reports.

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