Consumer complaint received 2021-02-22
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:
Experian did not remove an inaccurate collection account from my report. IT ALSO APPEARS THAT THIS MATTER WAS NOT INVESTIGATED AS THEY CLAIMED OR TO DEPTH REQUIRED BY THE INTRICACY OF SUPPORTING DOCUMENTATION SUBMITTED. Furthermore, they failed to provide any explanation as to why the item was not removed as can be seen in Experian Report Number XXXX. This along with an overly generalized statement under " About Dispute Results '' does nothing to inform me on why this item was not removed from my report. 

The next section " Here are you results '' shows a before and after of the disputed item ( disputed item remains on credit report ) and Experian claims the disputed information has been verified as accurate. Accurate how? Yes, I am sure that the collection agency who submitted the delinquency has confirmed with Experian that have a collection account with my name on it. However, this was not the basis of my dispute. The basis for my dispute was the validity of the debt purchased by XXXX XXXX XXXX from my former housing complex XXXX XXXX. It is likely that either XXXX XXXX XXXX did not conduct their due diligence prior to purchasing this debt OR XXXX XXXX provided XXXX XXXX XXXX with inaccurate information on this supposed debt, or both. I do not owe any money to XXXX XXXX XXXX nor my former complex XXXX XXXX. 

In my statement to Experian ( which I no longer have access to ) I stated something similar to the following : " Collection account reports inaccurate info. Lease was paid through & ended XX/XX/XXXX. Gave notice to vacate on XXXX ; 30 days in advance as per the lease agreement Par 36.1 ( d ) ONLY 30 days is required. 

Vacated apartment on XX/XX/XXXX. 30 days after XXXX is XXXX which was paid in full through XX/XX/XXXX. Therefore, any claim to an additional months rent for the amount of {$1200.00} after providing proper notification, moving out on time, and being fully paid up not only renders the collection reported inaccurate but underscores the dishonesty of XXXX XXXX '' In addition to this information is should be noted that the XXXX  has numerous similar complaints about parent company XXXX XXXX XXXX and XXXX  XXXX XXXX ; or whatever variation of similar names they went by before selling complex to XXXX XXXX. It should also be noted that the XXXX reviews would also help to show a consistent pattern of XXXX XXXX  XXXX XXXX submitting false debt to XXXX XXXX XXXX, if one could access these reviews. However, because the property was sold off to XXXX XXXX and renamed, the reviews are no longer available. I can not even go back and look at the review I submitted from within my XXXX review list. 

The ONLY just outcome is to permanently remove this falsified debt from my Experian credit report as it should have never existed in the first place.

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