Consumer complaint received 2017-04-26
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:
I received a letter from a debt collection company, "   XXXX   XXXX   XXXX   XXXX   XXXX  , '' on   XXXX   for an alleged debt with "   XXXX   '', no amount given. It was my account was delinquent and they were threatening wage garnishment. I filed bankruptcy the prior year, with a discharge date of   XXXX   XXXX  , and have never received any bill prior to this from this agency or any other, acting on their behalf. So, I forwarded this to my bankruptcy attorney the same day,  XXXX   XXXX  in  XXXX . He said to ignore it as it was a scam. On     XXXX   XXXX   XXXX  , I was applying for home loans and discovered a collection account that was newly listed for {$58000.00}, that had been listed on my credit on  XX/XX/XXXX , with a date of first delinquency of   XXXX   XXXX  , from   XXXX   XXXX  . The dated opened was listed as  XX/XX/XXXX .  Two da ys later, I received letter by mail, from "  XXXX   XXXX   XXXX  '', informing me the creditor "   XXXX   XXXX   XXXX   XXXX   '' placed this account in collection with them. On that letter, the date of default is listed as  XX/XX/XXXX , and amount as {$58000.00}. I forwarded this information to my attorney who sent out  3 letters to the company, as they had 2 physical addresses and one PO Box listed, informing them that we dispute the validity of the debt. He gave the bankruptcy case # and informed them that if indeed this was a valid debt at the time of bankruptcy, it has been discharged. No reply was received. I have disputed this debt with all three of the credit reporting agencies (  XXXX ,  XXXX  and Experian ), with no resolution, other than they have changed the da te of default a number of times. I 've asked for verification of authenticity with no resolution. They continue to report this debt is accurate, which is clearly is not!! I 'm at my wits end. I could not obtain a house loan and had to move to a rental. My  credit score i s dropping. They did move the account from collection to active, and list it as greater then 180 days past due for numerous months. I 've watched my score drop again and again, after having worked hard to repair my credit since the bankruptcy over the pas t two years, and  can not understand how this debt is being affirmed. With no response from the company and credit bureaus, I do n't know how to get this inaccurate information off my credit report. There are also a number of small errors on my report affecting my score, such as accounts that were paid in full, years pri or to the bankruptcy, being listed as " included in bankruptcy '' when they were not, 4 to be exact. This last round of disputes did re solve al l but 2, and not with every bureau. I just want to focus on this alleged {$58000.00}, which was over   {$59000.00} in   XXXX   XXXX  . The dispute results received this week show no balance data for  XXXX  and  XXXX , so I do n't think they actually performed a debt validation at all, and it 's still ruining my credit. I assume the company reporting this inaccuracy is aware it is not a valid debt as I 've never received any further correspondence and not once have they called me, or contacted my attorney. The information about the type of account keeps changing in my credit report and last was being reported as a student loan on Equifax. Experian is listing it will be off my report in  XXXX . This is not a student loan. I graduated medical school in  XXXX  and consolidated int o one lo an in   XXXX  . My account has been in good standing since that time, I 've not returned to school or taken out any additional student loans in ove r 15 yrs . The debt date keeps changing and was re aged from   XXXX   XXXX   to  XX/XX/XXXX /  XXXX   XXXX  , after the letter from my attorney. Whatever this is, it is long past the statute of limitations and I think they are well aware of this fact. Transunion was the only  XXXX  of the  XXXX  credit bureaus who actually investigated and removed this item after disputing. Experian and   XXXX    continue to report this fraudulent account.

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