Consumer complaint received 2021-03-25
Company: Experian Information Solutions Inc.
State: CA
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 HAVE CONTACTED EXPERIAN RENT BUREAU SEVERAL TIMES DUE TO FALSE AND ILLEGAL INFORMATION THAT WAS REPORTED ON MY CREDIT BY A PRIOR LANDLORD IN RETALIATION. MY PRIOR LANDLORD MALICIOUSLY STATED I WAS LATE FOR 5 MONTHS ON MY RENT, WHICH WAS FALSE. THEY ALSO REPORT OUTSTANDING AND UNPAID BALANCES WHICH IS IN VIOLATION OF THE CURRENT MORATORIUM, THE CARES ACT AND FAIR CREDIT REPORTING ACT ON BOTH STATE AND FEDERAL ORDINANCES. 
I ONLY FOUND OUT ABOUT IT, BECAUSE MY CURRENT LANDLORD BROUGHT IT TO MY ATTENTION SINCE IT WAS BIZARRE WITH MY GOOD CREDIT AND HISTORY. THEY EVEN DID A RENTAL VERIFICATION WITH THE PRIOR LANDLORD WHICH THEY STATED I WAS NEVER LATE. THIS WAS MORE CONFIRMATION AND EVIDENCE OF THIS ILLEGAL PRACTICE AND I ALERTED " XXXX '' THAT FACILITATED THE REPORT THAT " XXXX XXXXXX/XX/XXXX IN XXXX XXXX '' WAS DEFAMING AND SLANDERING MY CREDIT. I ALSO MADE " EXPERIAN RENT BUREAU '' AWARE AS WELL. HOWEVER AFTER OVER 30 DAYS, I GET A NOTICE FROM RENTGROW THAT THE INVESTIGATION WITH EXPERIAN RENT BUREAU WAS COMPLETED AND THEY PROVIDED AN UPDATED REPORT THAT IS STILL WRONG. THEY REMOVED ALL OF THE FRAUDULENT LATE PAYMENTS, BUT FOR TWO MONTHS PLACED DASHES AND ALSO REPORTED A BALANCE AGAIN IN VIOLATION OF CURRENT LAWS! SEE BELOW : The Federal CARES Act Might Protect Your Credit If you make an agreement for payment relief before you fall behind and your landlord qualifies as a " furnisher '' of information to the credit reporting bureaus, the CARES Act prohibits the addition of negative information to your credit reports. ( A " furnisher '' is an entity that provides information to one or more bureaus for inclusion in a credit report. ) Under the CARES Act, which amends the Fair Credit Reporting Act, if a furnisher agrees to let you make partial payments or forbear any amounts ( called an " accommodation '' under the law ) because you were affected by the coronavirus pandemic during the covered period, that furnisher must report your account as current to the bureausso long as you weren't already delinquent on payments. 
I HAVE MADE EXPERIAN RENT BUREAU AWARE THAT THIS STILL NEEDS TO BE FIXED. I ASKED TO TALK TO A SUPERVISOR AND WAS TOLD 3 WEEKS AGO THEY WOULD CONTACT ME IN 72 HOURS, CLEARLY WAS NOT DONE. I CALLED AGAIN AND WAS TOLD XXXX XXXX WAS THE ONLY SUPERVISOR AND HE WOULD CALL ME BACK THE FOLLOWING DAY OR AT THE LATEST MONDAY, THIS AGAIN WASN'T DONE. I SPOKE TO A WOMAN NAMED UNIQUE ON THURSDAY AND GOT HER AGAIN ON MONDAY AND WAS TOLD HE WAS THE ONLY SUPERVISOR AND MY ONLY OPTION WAS TO LEAVE ANOTHER VOICEMAIL. CLEARLY I THOUGHT THAT WAS ODD AND WAS SICK AND TIRED OF THE DELAY AND RUN AROUND TO FIX THIS ERRONEOUS INFORMATION AND NOW IT IS THURSDAY AND STILL NO RESPONSE. IT HAS BEEN NEARLY 2 MONTHS AND NOW EXPERIAN RENT BUREAU REFUSES TO SPEAK WITH ME, REFUSES TO CALL ME BACK AND REFUSES TO FIX MY CREDIT. THIS IS MY ONLY OPTION FOR HELP. THEY NEED TO ABIDE BY THE LAW AND STOP BEING AN ACCOMPLICE TO XXXX XXXX XX/XX/XXXX IN FURNISHING FALSE INFORMATION THAT HAS COMPROMISED MY CREDIT HISTORY AND REPORT. I NEED ASSISTANCE TO GET THIS RECTIFIED, BECAUSE THIS IS ILLEGAL AND I SHOULD NOT HAVE TO BE GOING THROUGH THIS.

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