Consumer complaint received 2019-10-16
Company: Experian Information Solutions Inc.
State: TX
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:
CFPB Complaint ID XXXX is the original complaint where the collection agency XXXX XXXX XXXX admits they have misrepresented this debt on all 3 bureaus for the last 3 years on my credit report causing me irreparable harm.

I have disputed this on four occasions with Experian to no avail. Experian has failed to protect my consumer rights by conducting proper due diligence during the investigation. 
Experian most recently completed a dispute # XXXX on Experian report # XXXX on XX/XX/XXXX and again allowed XXXX XXXX XXXX false reporting to remain despite receiving evidence to validate my dispute. With me on the phone Experian attempted to verify this debt and XXXX XXXX refuse to verify this deb tor to speak with me on XX/XX/XXXX at XXXX XXXX Experian dispute representative XXXX. Also on XXXX.I was advised they would immediately delete if they could not verify the debt with XXXX over the phone although the verification attempt failed many times and it is on my Experian note history. 
I called with Experian spoke with Dispute Team Manager XXXX on XX/XX/XXXX. He made several attempts to verify this debt to no avail. I called and authorized Experian to conduct a verification of the reporting. XXXX XXXX refused to verify. Spoke with XXXX XXXX on XX/XX/XXXX. XXXX XXXX confirmed XXXX @ XXXX called to ask they delete the inaccurate reporting on XX/XX/XXXX. 
XXXX XXXX with XXXX XXXX XXXX recorded saying the debt is inaccurate and being resolved on XX/XX/XXXX at XXXX XXXX CST and on XX/XX/XXXX at XXXX XXXX CST. He also stated that XXXX at XXXX had called and confirmed there was no debt. 
ATTEMPTS BY EXPERIAN TO VERIFY THE DEBT ( PHONE VERIFICATION ) Experian Dispute Representative XXXX called on XX/XX/XXXX at XXXX XXXX CST attempted Debt verification. XXXX XXXX XXXX refused to verify with Credit Reporting agency. 
Experian Dispute Manager XXXX called on XX/XX/XXXX at XXXX and on XX/XX/XXXX at XXXX. attempted Debt verification. XXXX XXXX XXXX refused to verify with XXXX XXXX agency. Unsuccessful. 
Experian Representative XXXX called on XX/XX/XXXX at XXXX XXXX and on XX/XX/XXXX at XXXX XXXX on 3 way with me, XXXX XXXX XXXX refused to verify with Credit reporting agency. 
Experian representative XXXX and Dispute Manager XXXX confirmed there had been many attempts to verify the debt and that XXXX XXXX was refusing debt verification. Unsuccessful. 
XXXX @ XXXX Called XXXX XXXX to direct correction and deletion of debt XXXX XXXX is reporting that I owe for a broken lease. I did not break lease ended in on XX/XX/XXXX. XXXX XXXX XXXX @ XXXX does not have a balance owed or record of this this debt. Confirmed by XXXX XXXX with XXXX @ XXXX on XX/XX/XXXX at a XXXX XXXX. 
XXXX is false. 
FDCPA SECTION VIOLATIONS [ 15 USC 1692g ] 809 ( b ) [ 15 USC 1692g ] 809 ( b ) [ 15 USC 1692g ] 809 ( a ) Texas Finance Code 392 ( TFC 392 ) They are violating Federal and State Statute by misrepresenting debt [ 15 USC 1692e ] 807 ( 2 ) ( a ).

They are violating by illegally charging interest on a balance I do not owe and updated the interest balance every month on reporting to all 3 bureaus. [ 15 USC 1692f ] 808 ( 1 ) They are violating FDCPA by refusing to verify debt in writing. [ 15 USC 1692g ] 809 ( a ). XXXX XXXX XXXX refused to verify debt with me or Experian Credit Reporting Agency despite multiple attempts. XXXX XXXX XXXX is a data furnisher and not a debt buyer. 

XXXX XXXX XXXX is contracted with XXXX XXXX XXXX and is paid a fee to collect and report on XXXX rental debts in bulk and insists on reporting debts because of incentive agreement between XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX @ XXXX. XXXX @ XXXX representatives XXXX called XXXX XXXX XXXX on XX/XX/XXXX at a XXXX XXXX to advise there is no debt. XXXX advised they had a record of {$1400.00} and not the {$5800.00} being reported. XXXX @ XXXX advised there is no debt and they should cease reporting.

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