Consumer complaint received 2019-01-29
Company: Experian Information Solutions Inc.
State: MS
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:
At approximately XX/XX/XXXX I executed a lease with XXXX XXXX XXXX XXXX in XXXX, PA for a one year period. I deposited {$500.00} and agreed to {$1100.00} per month. In XXXX, XXXX I lost my job and, pursuant to the lease, notified XXXX that I was going to have to breach my lease since I could not afford to live there any longer. I paid rent through, what my records reflect, XXXX and, after vacating the apartment in XXXX, continued to pay rent for XXXX, XXXX and {$500.00} in XXXX ( still didn't have a job ). XXXX has a mitigation of damages paragraph in the lease and, since they did not bill me for any further rent, fees, etc. I assumed they had re-leased the property and I did not owe further. Since I departed in mid-XXXX, I have not received any communication as to balances allegedly due. In approximately XXXX, XXXX, a company ( XXXX XXXX XXXX ) placed a " collection '' account on all of my credit bureau reports for {$4100.00} referencing XXXX XXXX as the original debtor. On or about XX/XX/XXXX, I wrote XXXX XXXX and XXXX XXXX XXXX protesting this action and demanding an accounting of balances allegedly due ( keep in mind I had never been advised that there was any balance allegedly due from XXXX or XXXX ). I did not receive a response. I immediately protested through Experian, XXXX  and XXXX. Experian purportedly investigated and indicated that the debt was valid and they would take no action. I resubmitted a dispute with additional information and was again denied. The third time, with even more information yielded the same results. Neither XXXX nor XXXX XXXX nor XXXX have ever disclosed any balance due or owing, never explained why a balance would be due, and why they waited two years before deciding to ruing my credit. I have protested to XXXX and XXXX XXXX no less than eight ( 8 ) times and have yet to receive a response describing the alleged balance due of {$4100.00}. I have demanded an accounting to no avail. Because of this reckless placement of a previously unknown alleged balance due, I have lost four ( 4 ) jobs because of the collection account, which is wholly unfair. I don't even have a chance to resolve any purported dispute because 1 ) they will not respond, 2 ) there is no justification for the amount, 3 ) XXXX had a mitigation clause in the lease, which has never been measured or accounted for. I can not get work, because of the type work I do because of this collection account on my bureau reports and I can not get it resolved because none of the involved parties will respond to repeated requests. I am at a loss and broke to boot because of this inability to get jobs thanks to this action taken by XXXX and XXXX XXXX. 

I am asking that this amount be removed from my credit reports immediately. I am asking for a detailed accounting of what is allegedly owed and, if there are monies I owe, I will ask for a payment plan ( while this is off my credit reports ) so that I can pay my due. I would also ask for the actions taken by XXXX as part of their mitigation requirements under the lease.

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