Consumer complaint received 2019-03-13
Company: Experian Information Solutions Inc.
State: CA
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:
I was denied a credit card due to information in my credit report stating there was a negative report by a Collection Agency { XXXX XXXX XXXX, WA } collecting for XXXX. On XX/XX/2019 I submitted a Dispute Request to Experian ( Credit Reporting ). 
I received a response to my dispute that stated they received a response from XXXX XXXX on XX/XX/2019 stating the Information submitted was valid. I contacted the original claimant [ XXXX ] who told me the account had been zeroed out, there was No Balance Due. The account was completely CLOSED. The Customer Rep. gave me a file number XXXX. 
Next, I contacted XXXX XXXX to try to find out why they were trying to collect on an account XXXX had declared Closed Zero Balance I spoke to the XXXX XXXX XXXX who told me XXXX had contacted their office and withdrawn the collection notice. He advised me that action had taken place several months previously. If true ; why did Experian say they had no knowledge of the reversal? 
Today, I called Experian, I talked with the CSR Customer Service Representative { XXXX } who told me Experian had sent me the information from XXXX XXXX rejection of my dispute via email on XX/XX/2019. I advised XXXX I had not received ANY email ( s ) from Experian regarding my dispute. I advised her of my conversation with XXXX XXXX, she told me there was nothing more she could do other than submit another dispute. 
I ask XXXX to speak to her supervisor. XXXX XXXX [ XXXX ] came on the line. I made him aware of the previous conversation, to which he also said, There was nothing he could do. While on was on the phone I established a 3 Way  conversation with he, XXXX XXXX and I, where XXXX reiterated his claim that XXXX had in fact withdrawn the demand from Receivable Performance and had made an Electronic request that the information be removed from my credit report. On several occasions I asked XXXX to provide me a copy of exactly what XXXX XXXX said, she gave some B/S answer as to why she couldnt. 
After XXXX disconnected from the phone conversation, XXXX mention he did hear XXXX say the claim was Not Valid. XXXX mentioned to me, in situations like mine there is an expedited remedy whereby he could call XXXX XXXX direct and obtain the information directly and remove the Negative information from my credit report. I asked him to initiate that procedure, XXXX told me He would not do that, because XXXX said he had sent an electronic notice. I want the incorrect information removed from I report. Although, XXXX had the ability and the authority to do it, he refused. It has been almost one month since I submitted my first dispute, I dont understand why XXXX see the sense of urgency I have for having my Credit report being accurate, I believe I have that right.

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