Consumer complaint received 2021-02-01
Company: Experian Information Solutions Inc.
State: MO
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:
All three Credit Reporting Agencies and the named Creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), are each refusing to coordinate the deletion of a derogatory credit item from my personal Credit Report that was erroneously incurred while on XXXX XXXX service. XXXX states that the decision rests with the CRAs. Each CRA claims that the XXXX must stop reporting the item. I have filed multiple disputes with each CRA and directly contacted the XXXX multiple times as well. The body of the complaint 's narrative below describes the specifics. All relevant supporting documentation ( which has been submitted to all CRAs and the XXXX XXXX is attached. I have attempted to remedy this situation myself via direct communication with all named parties and through the hiring of legal representation XXXX XXXX XXXX XXXX ). 

I am formally disputing and requesting DELETION of the negative item being reported against my credit history by MILITARY STAR, under account number listed in attached dispute letter. As evidenced by the enclosed Zero Balance Letter XXXX enclosure 1 ), this account was paid in full on XXXX XX/XX/XXXX, but is reported as having been in collections since XXXX 2017a full six months after the account was closed.MILITARY STAR Account was erroneously sent into collections after the account had been paid in full six months prior. 

Prior to transferring service components, I established an automatic monthly allotment to ensure timely payment against the open account. However, I later discovered that the active duty payroll system did not automatically carry over the allotment from my reserve payroll account. Upon learning this, I contacted MILITARY STAR  to pay the account in full. I then learned that the XXXX XXXX and XXXX XXXX XXXX XXXX XXXX automatically issued a single payment of {$490.00} to the creditor via direct recoupment of my paycheck once the delay between the active duty and reserve payroll management systems had been reconciled. See my XX/XX/XXXX Leave and Earnings Statement ( LES ) ( enclosure 2 ). 

Additionally, XXXX XXXX is in violation of the Fair Credit Reporting Act ( FCRA ) because I was not provided advance notice about any pending material modifications to my credit report/history. I did not receive any official correspondence from the creditor upon transferring to the active duty component. Per the copies of the official active duty orders ( enclosures 6a-6d ), I was enrolled in an intense military training program that required several short-notice relocationsduring an approximate 24 month timeframewhen XXXX XXXX sent the referenced account into collections. 

Finally, I have directly sought resolution on multiple occasions with MILITARY STAR via assistance from the credit repair service, XXXX XXXX XXXX. On XXXX XXXX, XXXX, XXXX XXXX XXXX demanded validation and removal of the negative credit item by utilizing its Notarized Intervention Process ( enclosure 4 ). More than 60 days have elapsed, and XXXX XXXX, with the exception of furnishing a Zero Balance LetteXXXX, has otherwise failed to provide an equitable response despite presentation of evidence supporting the mitigating circumstances associated with my case. 

Frequent moves due to a demanding active duty military training program, lack of communication from the creditor and technical errors with the Air Forces payroll management systems ultimately resulted in a situation beyond my control. By the time I learned what had happened, it was too late. The negative item was already being reported against accounts. Given this information, and the provided documentation, I request that the CRAs delete being reported by XXXX XXXX from my credit history. 

XXXX ) Exchange Program/XXXX XXXX Zero Balance Letter 2 ) Leave and Earning Statement XXXX XXXX XXXX XX/XX/XXXX 3 ) Orders : a Reserve to Active Duty Notice b. Home of Record ( HOR ) to XXXXXXXX XXXX XXXXl XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX Notice of Termination of XXXX XXXX XXXX ) XXXX XXXX Notarized Intervention Letter XXXX ) Email Correspondence with XXXX XXXX ) Dispute Letters a Experian XXXX XXXX  XXXX XXXX

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