Consumer complaint received 2017-07-26
Company: Experian Information Solutions Inc.
State: FL
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 is reporting incorrect info on my credit file which preventing me from certain credit options such as obtaining a mortgage. I have mailed a certified letter to Experian XX/XX/XXXX and also called multiple times to dispute the inaccurate info in which Experian alleged to verify however they do not. I have spoken to several reps as well a couple managers who informed me the credit bureaus only verify name, dob, ssn, and address NOT the accuracy of the debt nor do they request any documents to substantiate the alleged debts. I have requested in writing proof of the debt XX/XX/XXXX however I still have n't received any documentation regarding the alleged debts. Experian is reporting the same debt twice on my credit report which I do not owe at all however it causing the balance to double. Experian is reporting XXXX XXXX ( original creditor ) {$2100.00} and also reporting collection agency XXXX for the same debt in amount of {$2100.00}. This account was satisfied in XX/XX/XXXX and there is no balance owed however Experian only verified my name, dob, and ssn assuming the debt is accurate without any documentation. Experian is reporting collection agency XXXX XXXX {$730.00} for XXXX XXXX XXXX which is a debt I NEVER owed. I provided Experian documentation from BBB & Consumer Affairs supporting numerous complaints against the property management prior to the company submitting this erroneous debt in retaliation after I moved. The company violated FL Statue requirements for landlords to keep the unit safe from electrical issues, rodents, only bathroom plumbing, and numerous other hazardous life threatening issues. The BBB and Consumer Affairs has this documentation long before the false claims. The company also never returned my security deposit. XXXX XXXX is attempting to collect a false debt for a company that has violated housing regulations/requirements. I spoke with three reps since XX/XX/XXXX and have yet to receive any verification regarding this false debt. I spoke to a manager at Professional Debt on XX/XX/XXXX around XXXX and he informed me he could n't send me verification of the debt b/c I requested to not be contacted which I told him is a lie b/c they are supposed to verify the debt he purchased. He stated they did n't buy they are a 3rd party collection agency. I informed him to send it back to the property management company to verify in court b/c they are providing false information. He could n't do that either but expects me to pay a false debt that the property manager created in retaliation for complaints submitted. Experian is reporting a 30 day late payment for my last XXXX XXXX XXXX payment however I was never late and XXXX XXXX reps and manager XXXX verified on XX/XX/XXXX they never reported a late auto payment to the credit bureaus l. I request this inaccurate information removed from my credit file b/c it has been over 90 days since my original complaint with Experian. I also request the inaccurate addresses and employers removed from my credit report also.

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