Consumer complaint received 2020-02-15
Company: Experian Information Solutions Inc.
State: LA
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: Problem with personal statement of dispute

Complaint:
n XX/XX/XXXX I received an ALERT from Experian. I immediately signed on to my account to verify information from the alert, There was a collection from XXXX XXXX for a XXXX account from XX/XX/XXXX.I contacted XXXX at that time to ask why hadn't I received a notice from them before reporting to the Credit Bureaus. Upon talking to XXXX the XXXX XXXX. I learned a letter was mailed out, so I asked what address did she mail it to, at that point she gave me the wrong address so then I told her I would contact XXXX for further investigation and I mentioned to her I would dispute this account due to those reasons. Well XXXX decided to report my account AGAIN days later and added the comment that I disputed it which was UNTRUE as of today I have NOT disputed anything.I also mentioned to her there are Rules and Rights before taking matters into your own hands. In XX/XX/XXXX I had 2 XXXX, 2 cell phones and 2 watches. Due to the High Prices XXXX was charging I was able to get a lower price at XXXX XXXX XXXX. I upgraded my devices when I did the switch. Being in a contract with XXXX  for 2 years those devices should have been paid off actually. On XX/XX/XXXX I contacted XXXX to update my email and mailing address, Just in case I did have a balance and they could forward me the balance. According to what is was if I was able to pay out right I would have if not I could have made payment arrangements.Anything to save the headache of damaging my credit. after contacting XXXX  I was notified no one had updated my information inXX/XX/XXXX, In other words I have to pay for their mistakes. There is something suspicious about the whole situation Ms XXXX the collections supervisor from XXXX has been constantly contacting me trying to get me to go to XXXX and update my information so that it can look as if they already had my updated information, when I asked her what address did she send my final bill to AGAIN that was the wrong address so in other words I never received a final bill from XXXX. So I assumed I was paid up, now that it was a my Statue Of Limitations they decided to send it to a collection agency. I even asked XXXX from XXXX to REMOVE this off my credit report and XXXX the collection agency to remove this from my credit report and own up to their mistakes. I will accept their apology work out a payment plan from her on out and move forward. But this has to be in an email to me and removed first. I did mention I would report this to CFPB and my Local Attorney general 's Office if not resolved in 30 days. Attached is where Experian and Convergent is ALERTING on this account constantly meaning 2 times in the SAME month which is ILLEGAL and needs to be investigated every time there is a reporting my score drops before XXXX  my score was XXXX XXXX now I'm at a 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