Consumer complaint received 2019-10-10
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:
I disputed the debt with XXXX XXXX XXXX account # XXXX with EXPERIAN on XXXX, XXXX ; XXXX XXXX and XXXX XXXX on previous disputes Experian failed to conduct investigation into the inaccurate reporting. This should be deleted XXXX XXXX is well aware that their were multiple false move out notices created and they agree that the amount listed is wrong. Experian has caused me irreparable harm by continuing to report this collection inaccurate both in my credit score and denials of leasing and credit as recently as XX/XX/XXXX by XXXX XXXX   XXXX XXXX XXXX, TX XXXX. 

***My XXXX dispute is below as a reference *** XXXX XXXX XXXX DBA XXXX formerly know as XXXX XXXX is the collector involved. I leased an apartment with XXXX @ XXXX address XXXX XXXX XXXX XXXX, TX XXXX. I leased apt XXXX in XX/XX/XXXX. I lived at the residence for 6 years before it was sold to XXXX property management in XXXX. They raised rents and refused to renew my lease in XX/XX/XXXX giving me a notice to move at the end of my lease. I moved out and returned keys on XX/XX/XXXX. On XX/XX/XXXX a move-out ledger was issued were my deposit if {$920.00} was kept and I was being charged for rent and fees. This amount was PAID. The balance totaled {$1400.00}. In XXXX of XXXX XXXX XXXXXXXX XXXX begin reporting the debt on my credit report as {$5000.00}. I disputed with all 3 credit bureaus in XXXX, XX/XX/XXXX, and XX/XX/XXXX. I disputed the debt was inaccurate and misrepresented a clear violation of FDCPA -- - The collector can not misrepresent the amount you owe. [ 15 USC 1692e ] 807 ( 2 ) ( a ) -- - Double-dipping deceptive practices. XXXX XXXX property manager created a bogus move out ledger. You can not break a lease, that has ended. You can not charge me 3 months rent while leasing unit to another resident. XXXX refused to renew my lease -- - sent me a 60 day notice invoking " their right '' to refuse renewal. I left at lease end ; gave back keys, cleaned unit spotless, have emails and voicemails for proof. Received a ledger for {$1400.00}. In XX/XX/XXXX. I disputed saying I should have received my deposit of {$920.00} back! 
Then in XX/XX/XXXX -- -their collection agency XXXX XXXX XXXX XXXX puts a debt of {$5800.00} with bogus charges for reletting ( no broken lease, refusal to renew, lease ended ).

Further they charged me 3 additional months of rent, XXXX XXXX rented the unit on XX/XX/XXXX. The NEW tenant was in unit XX/XX/XXXX, 4 days after my lease ended. I have an email from XXXX XXXX, XXXX XXXX property manager, at the time telling me this, after I inquired about a lost item. I Have suffered irreparable harm for over 3 years due to false reporting with charges. This company has caused me irreparable harm due to false credit reporting of moveout charges. I lived 7 years at XXXX @ XXXX ; year 7 purchased by XXXX who raised rents and forced out Legacy Tenants. XXXX XXXX property manager gave me a refusal to renew and I moved at the end of my lease. They invoked THEIR rights. First ledger I received my entire month deposit was gone and I was being charged rent. Then they proceeded to report I broke my lease when they refused the renewal. I was charged an illegal reletting fee and 3 months rent. Again, I did not break the lease. The lease ended and I was denied for lease renewal. The unit was rented a week after I left XX/XX/XXXX, and I have email proof. I have asked for validation of the debt and the entire file pursuant to my rights under FDCPA [ 15 USC 1692e ] 807 ( 2 ) ( a ) and Texas Finance Code 392 ( TFC 392 ), XXXX XXXX Operations Manager ( email address XXXX ) with XXXX XXXX XXXX refused this request, but I have a recorded admission from representative XXXX XXXX on XX/XX/XXXX at XXXX XXXX CST, at XXXX XXXX XXXX ( XXXX ) XXXX extension XXXX, that they do have 2 files and KNOWINGLY used the other higher move out notice for charges of a broken leasel rent through XX/XX/XXXX. They have the lease and know that it ended. They do know they are collecting or double dip twice, there was a new tenant in the unit by XX/XX/XXXX yet they are also charging me that rent. Again I paid {$920.00} in my kept deposit.They have reported this inaccurate amount on my credit for 3 years and used the fraudulent file to respond to credit report disputes I initiated even though they know it is incorrect which is a clear violation of Federal and State Statute Violation of FDCPA -- - - The collector can not misrepresent the amount you owe. [ 15 USC 1692e ] 807 ( 2 ) ( a ) - Texas Finance Code 392 ( TFC 392 ) My current dispute was initiated with Experian on XX/XX/XXXX. I was denied leasing and credit many times over the last 3 years because of this inaccurate misrepresentation of debt as recently as XX/XX/XXXX where I was charged {$160.00} for the denial from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 
***End of Reference Dispute***

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