Consumer complaint received 2021-10-13
Company: Experian Information Solutions Inc.
State: NC
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:
Recently, as a resident of the state of North Carolina, where I have resided for over 52-months, I was given notice that a collection was posted against me by a collection agency known as XXXX XXXX, XXXX. They claim that I owe {$1900.00} on a XXXX account that was under my name 7-years ago before I was married. The account was under XXXX XXXX, but it followed me to my married name XXXX XXXX. This account, if valid can not be collected against me in the state of North Carolina that has a 30-month collection statue of limitations. Also, this account went into default well over 84-months ago. What XXXX XXXX XXXX XXXX did was pick up the collection information from a debt pool program, then changed or dismissed information to lead the credit reporting agencies to believe that they were handed a legitimate collection. Not even XXXX is in the equation on this, and I demanded accountability of the collection in XXXX of 2021. This was the response given to me through the XXXX XXXX XXXX XXXX, as follows : The company sent its response directly to you and provided a copy to the CFPB. It may take a few days for you to receive the companys response. To protect consumer privacy, the CFPB has not included the companys response in this consumer portal. You can contact the company at ( XXXX ) XXXX about its response to this complaint. 
There was never any response mailed to me to show that XXXX gave permission to move on a collection against me, not in written form or by an electronic transfer agreement. XXXX XXXX XXXX XXXX is running a scam against me personally, and in violation of the Fair Debt Collection Practices Act, the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX has also violated its subscriber agreement with all four pertinent credit reporting agencies, whereas they posted a collection that is not collectible, nor was there a standing agreement between the parties where any indebtedness occurred. XXXX XXXX XXXX XXXX believes that they can use a process of holding a persons credit standing XXXX, to collect on any debt that they maintain 100 % control on. There will be no disbursement to XXXX from XXXX XXXX XXXX XXXX if any payment arrangement is made as there is no legal debt owed. The 84-month timeline has passed is XXXX had any position on the original account. 
XXXX XXXX XXXX XXXX needs to have their rights to process collections with the credit bureaus, Experian, XXXX, XXXX XXXX and XXXX respectively. This process must cease permanently, and my personal information must be purged by XXXX XXXX XXXX. 
I demand that XXXX XXXX, XXXX delete any reference to a collection against me from XXXX immediately and permanently. 
XXXX 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 explanation