Consumer complaint received 2020-02-03
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have some follow up information on a collection on credit report Experian Report XX/XX/XXXX # XXXX I already filed a complaint with CFBP # XXXX you stated you needed more information the company is XXXX XXXX XXXX ( debt buyer ) XXXX XXXX XXXX XXXX XXXX is located at XXXX XXXX XXXX. XXXX XXXX, MN XXXX ph # XXXX. XXXX XXXX XXXX shows opened XX/XX/XXXX balance of {$310.00}. I requested a dispute with Experian and they updated the collection to XX/XX/XXXX which reduced my fico  score. I went thru a horrible divorce it ended somewhere in XXXX the only collection I had from a collection agency was XXXX XXXX ( XXXX XXXX ) located at XXXX XXXX XXXX XXXX, MA XXXX ph # XXXX partial account # XXXX original creditor XXXX XXXX opened XX/XX/XXXX the Experian Report was XXXX XXXX and stated that it would be removed XX/XX/XXXX which it was the most current report I have from Experian is member ID XXXX dated XX/XX/XXXX and the collection was removed. My x-spouse destroyed my credit by not paying debts that judge ordered him to pay XXXX XXXX XXXX SS # XXXX when I found out I had XXXX XXXX help me clear my credit history as of XXXX I had no negative issues on my credit report. If XXXX XXXX XXXX is related to XXXX this is an error not my debt and also has expired. If XXXX XXXX XXXX has no relation to XXXX then I do not know who they are and I have never received a bill from them it is not my debt. It is crucial to have it removed because I have a contract with XXXX XXXX account # XXXX this was opened in XX/XX/XXXX and when I asked for a credit report from Experian they updated a collection that is not mine and do to their incompetence I tried to get my XXXX upgraded and XXXX XXXX gave me a letter stating that I had to many delinquent payments on my credit report and a collection so they denied my request. What I do not understand is that when I applied for credit at XXXX XXXX there was no history about a collection XX/XX/XXXX. The only reason I even checked my credit report was that I had my laptop hacked into and I wanted to be sure my credit was okay this came up XX/XX/XXXX. This has devastated my life I am on SSI XXXX I get {$940.00}. Per month I live alone and this month my utilities were {$180.00} due to the cold weather I do not have any money to pay them I have one credit card XXXX XXXX XXXX  # XXXX I have a {$500.00} limit on it I recently asked for an increase which they denied do to the error on my credit report ( when in the past they have asked if I wanted an increase which I declined ) now that I have a financial crisis I have applied to other credit card companies and have been denied and this has also impacted my FICO  score negatively with to many inquiries ( I tried to get credit from various companies that have mailed me notices that I was preapproved ) and now with this error on my credit I was denied ). This is a big problem I checked for public assistance on the internet I signed up for a few and they were scams now I am getting tons of emails offering me credit cards but they want my Social Security number and my Bank account number which I will not give out and it is not in my name it is under my SSI payees name. 
I spoke to XXXX in your office on XX/XX/XXXX with this new information about collection and gave him XXXX XXXX XXXX  information. I do not know if you did not receive it? 
Thank you and I would appreciate it if you could look into this and let me know. 
Thank you 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 non-monetary relief