Consumer complaint received 2018-12-12
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have taken every legal step required of me to dispute an item on my credit report. First, attempting to contact XXXX XXXX XXXX, the debt collector, to dispute this as totally inaccurate, which I was met with the most hateful attitude and hung up on. Then, attempting to dispute the item with XXXX XXXX XXXX 's " law firm '', which had me send them documentation showing proof that this is not valid. They simply responded by telling me that I didn't even know what the debt was about and was completely wrong and not to contact them ever again. Next, I continued on with disputing with all three credit bureaus, this was in XX/XX/XXXX-XXXX XXXX. Within two weeks of receiving my documentation, XXXX  removed this item, stating that it was clearly incorrect. Every single month since XX/XX/XXXX, I have fought and fought to have this removed from Experian, including sending copies of official bank documents and a letter from the corporate offices of my bank stating that what was being claimed by the debt collector was completely false and not even possible. During this time, I have received several letters attempting to refuse to even investigate this matter, telling me that " they only have to investigate once, ever, and refused to do so again ''. I knew better and have called them out on their refusal to investigate, multiple times. I have also had to hire an attorney to fight this false information. All correspondence from my lawyer to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, have been ignored. The first few letters to Experian were met with stall tactics and misinformation. My lawyer sent another dispute letter on XX/XX/XXXX, then XX/XX/XXXX they received a response letter. This response letter was confirming that they were looking into a credit file item, the item mentioned WAS NOT from my credit report, but someone else 's. So, my lawyer had to send another letter asking to please look into MY credit report and the item 's information again, as they had mixed up my information with that of another person. This response was from Experian 's Senior Regulatory Affairs Associate,  whose office I called to make sure they were looking into the correct file and make sure they had my supporting documentation. When I called, they attempted to tell me that I was incorrect and that my lawyer had sent them the wrong info, which I responded to with the fact that I have a copy of the letter the lawyer sent and it was in fact correct. They finally pulled that letter up in their system and acknowledged that I was in fact correct and gave me the fax number to send my supporting documentation, since they apparently could not find anything I had ever sent. 
On XX/XX/XXXX, they faxed an apology for mixing up the information and acknowledged that they had received my faxed documents and would re investigate again. I have now received a response report ( XX/XX/XXXX ) with the same 1 out of 2 responses that they always send, " updated information ''. The only updated information that I see is that they have allowed the debt collector to falsify an account history with varied " Account Balance '' amounts, going through to XX/XX/XXXX, even though the supposed owed amount has always been the same " {$1000.00} '' and the debt collector first started this farce XX/XX/XXXX. The original creditor is an apartment complex, claiming rent was not paid, even though they were given proof from the bank, they turned this file over to the debt collector in XX/XX/XXXX. 
It has been obvious from the start that the debt collector is completely dishonest and does not care that this debt is totally bogus. From my experiences dealing with this, Experian is just as dishonest, shady and simply doesn't care how badly they affect a person 's credit. Because this is the only negative item and over {$1000.00}, on my credit report, I have been denied credit, had to pay higher interest rates and much higher insurance rates. Experian is clearly ignoring the dishonest behaviors of this debt collector and has zero good intentions with regard to others. I also recently discovered that during one of my many calls to dispute this item, someone at Experian took it upon themselves to add a " ID Security Alert '' to my credit report, which I have since asked to have removed and they have also ignored that. Having this " ID Security Alert '' on my credit report has also made life more difficult when it comes to using my own credit.

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 non-monetary relief