Consumer complaint received 2021-12-14
Company: Experian Information Solutions Inc.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have XXXX derogatory accounts reporting on both my Experian and XXXX credit reports that are entirely incorrect and should not even be on my credit reports at all. I have disputed these items with Experian and XXXX MULTIPLE times for OVER A YEAR and have provided supporting documentation as to why these XXXX items do not belong on my credit reports, yet Experian and XXXX repeatedly allege that they have " verified '' these XXXX accounts and have allowed them to continue slandering my credit reports, which has caused me significant damages in that these are seriously decreasing my credit scores, preventing me from being able to obtain new credit, purchase a new home, or obtain government employment, which I was recently turned down for as a direct result of these XXXX defamatory items showing on my credit reports and significantly lowering my scores. The XXXX accounts that I am referring to and need to be deleted IMMEDIATELY are : XXXX XXXX collection account for {$2700.00} XXXX XXXX, XXXX XXXX XXXX XXXX for {$3300.00} XXXX XXXX : This is a XXXX XXXX collection. I opened an account with XXXX XXXX in the spring of 2019 ; however I immediately CANCELED this account within XXXX hours of opening it due to XXXX 's complete lack of coverage in our area and not having enough signal to be able to use our phones. I have provided Experian and XXXX with a copy of the email from XXXX 'S XXXX XXXX XXXX dated XX/XX/2019, clearly stating that the ACCOUNT WAS CANCELED, HAD A XXXX BALANCE, AND WOULD NOT BE BILLED IN THE FUTURE. However, Experian and XXXX have completely disregarded/ignored this documentation that I have repeatedly sent them and has allowed this collection account to continue slandering my credit reports and destroy my credit scores. I have tried MULTIPLE times to contact the XXXX XXXX XXXX XXXX XXXX about this false credit reporting, but they have outright refused to speak with me and sent me a cease and desist letter, which is a flagrant violation of my rights under FDCPA. Therefore, I am relying on Experian and XXXX to do the right thing and DELETE this account from my credit reports IMMEDIATELY. I have provided proof of this collection being false MULTIPLE times, yet it keeps being ignored. 

XXXX XXXX, XXXX : In 2019, I was going to take an online medical billing and coding course and was going to pay for said course with a student loan from XXXX XXXX XXXX. However, prior to even starting this course, I CANCELED my enrollment due to discovering that the online school that I was going to be attending did NOT have the proper XXXX XXXX, which would result in me not having the proper credentials and not being able to secure employment in this field upon completion of this course. Therefore, I immediately canceled my enrollment prior to starting the course and notified XXXX XXXX XXXX that I would no longer be needing this loan and NOT to fund it. I received an email response from XXXX XXXX, XXXX confirming that the loan had been canceled. However, they have slandered my credit with this delinquint student loan that I CANCELED AND NEVER TOOK OUT. My credit reports reflect that the original amount of this loan was {$2500.00} and they have added on an additional {$1000.00} in illegal fees, with the current balance being reported as {$3500.00}. Again, I do NOT owe this company a dime as I NEVER RECEIVED THIS LOAN and have proof in writing from XXXX XXXX XXXX that the loan was CANCELED at my request, not funded, and that I did not owe them a dime. I have also tried contacting XXXX XXXX XXXX and have received NO response. I also recently tried to mail them a letter of intent to sue at the address listed for them on my credit reports ; however, this letter was returned to me with a yellow sticker on the envelope from the XXXX XXXX saying that XXXX XXXX XXXX XXXX has moved and left NO FORWARDING ADDRESS. There is also currently an open lawsuit against XXXX XXXX as well as the credit bureaus that was filed by another individual a few months ago, so this company has a reputation of this behavior, and apparently so do Experian and XXXX. Again, I have provided Experian and XXXX with full proof that I DO NOT owe for this student loan, yet they have chosen to allow it to continue slandering my credit reports and allowing XXXX XXXX to continue reporting missed payments every single month as well as adding illegal fees every single month to inflate the amount. This is SIGNIFICANTLY DAMAGING MY CREDIT SCORE and causing SERIOUS DAMAGES IN MY PERSONAL AND PROFESSIONAL LIFE.

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