Consumer complaint received 2023-07-28
Company: Experian Information Solutions Inc.
State: TX
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:
When I initially discovered there was an outstanding debt owed to XXXX XXXX XXXX XXXX XXXXXXXX, I contacted them. The managing group called XXXX XXXX for XXXX XXXX XXXX XXXXXXXX XXXX stated I owed the debt so long they decided to sell it to a business who collects debt called XXXXXXXX XXXX XXXX and that I would need to call them. I contacted XXXX XXXX XXXX  and advised who I was, and my purpose was to pay a debt that I owed, with the purposes of XXXXXXXX XXXX XXXX  sending a Goodwill letter to all three creditor bureaus asking to have this collection to be removed from my credit report. XXXX XXXXXXXX XXXX  agreed to the terms and collected {$250.00} dollars and stated I owed them a XXXX balance. This debt was paid on XX/XX/XXXX. I recently checked my credit report and discovered that XXXX XXXX XXXX  did not hold up their end of the deal by contacting the credit bureaus and having the collection removed from my report. Also, while reviewing the debt on my report, I noticed there were a few discrepancies. On the report where it has the original lender the bureaus have different names. XXXX reports : Columns At XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian reports : XXXX  XXXX XXXX XXXXXXXX The name of the company is XXXX XXXX XXXX XXXXXXXX XXXX All three credit bureaus are reporting the Debt that I owed was by XXXX different companies seeing that this information is inaccurate Id like to have this collection removed from my credit report. The Agency Name on the credit report is wrong as well. The Agency Name is reported as three different names to all three credit bureaus. XXXX reports : XXXX XXXX reports : XXXX XXXX Experian reports : XXXXXXXX XXXX XXXX The name of the company is XXXX XXXX XXXX All three credit bureaus are reporting the Three different names. Seeing that this information is inaccurate Id like to have this collection removed from my credit report. I settled with XXXXXXXX XXXX XXXX for {$250.00} dollars, but XXXX XXXX XXXX is reporting to the credit bureaus that the dollars amount was {$290.00} dollars this is completely inaccurate, and false, and therefore driving up my FICO score. Seeing that this information is inaccurate Id like to have this collection removed from my credit report. XXXX XXXX XXXX  has reported different dollar amounts to all three credit bureaus when it comes to current balance. XXXX reports : {$0.00} XXXX reports : {$0.00} Experian reports : - blank Once again XXXX XXXX XXXX has not proven itself to be a company that operates under the Fair Credit reporting Act and is not fair to me as a consumer. Therefore, due to their extreme negligence Id like to have this collection account removed from my credit report from all three credit bureaus. XXXX has not correctly reported the status of my account properly, and it is reading different with every major credit bureau. XXXX reports : Paid XXXX reports : Payment After charge off / collection Experian reports : Account legally paid in full for less than full balance Once again RentDebt Automated Collection has not proven itself to be a company that operates under the Fair Credit reporting Act and is not fair to me as a consumer. Therefore, due to their extreme negligence Id like to have this collection account removed from my credit report from all three credit bureaus. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals. While there are three national CRAs in the United States ( Experian, XXXX XXXX, and XXXX ), private investigators, detective agencies, collection agencies, inspection bureaus, companies that sell information to insurance companies and assist in performing background checks, and college placement offices have been deemed to be CRAs under the law. CRAs compile what are called consumer reports, meaning any written, oral, or other communication of any information by a CRA bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of This the company response to my former complaint. My name is XXXX XXXX. I am the Vice President of Compliance for XXXX XXXX XXXX XXXX XXXX ( XXXX ) and I have been asked to respond to XXXX XXXX XXXX complaint. XXXX has completed its investigation and the results are as follows. ( XXXX XXXX account was placed with RDAC for collection on XX/XX/XXXX, false ) ( by XXXX client The Columns at XXXX XXXX, with a balance of {$2000.00}. On XX/XX/XXXX, XXXX mailed its initial collection letter to XXXX XXXX at her last known address : XXXXXXXX XXXX XXXX XXXXXXXX, AR XXXX. All this information is completely false ) ( That letter included the required notice of validation rights pursuant to section 809 of the Fair Debt Collection Practices Act, that letter was not returned as undeliverable to RDAC by the U.S. Postal Service. ) false On XX/XX/XXXX, XXXX reported XXXX XXXX account to the XXXX national consumer reporting agencies ( Experian, XXXX, and XXXX ) ( CRAs ) with permission from our client, XXXX XXXX XXXX XXXXXXXX XXXX. On XX/XX/XXXX XXXX XXXX called our office and spoke with an RDAC representative. A review of the recording of this call reveals that at the start of the conversation, XXXX XXXX asked the representative he spoke with if he could get an email indicating this tradeline would be removed from his consumer report. The representative responded we dont remove or delete, sir. We report your accurate information so we will report is as either paid in full or settled in full and account closed. Later in the same call, just prior to authorizing a payment of {$250.00} to run that day to settle the account in full, XXXX XXXX asked why XXXX would not request a deletion of the trade line after payment, the representative advised XXXX XXXX : Per company policy, we go by what the Fair Credit Reporting Act requires, so we report your accurate information, we dont do removals or deletions. Per the Fair Credit Reporting Act ( FCRA ), it is RDACs responsibility to report complete and accurate information to the CRAs. Regarding the information for this trade line appearing slightly differently on XXXX XXXX consumer report from each CRA, please be advised that RDAC is not responsible for the way the CRAs display the information furnished to them from RDAC. ( On one of my credit reports they didnt even report a dollar amount ) This is outside our organizations control. Thank you for the opportunity to respond to this complaint. XXXX XXXX XXXX. XXXX referred to me as a female, which is mean and very unprofessional behavior. 

2. He stated I owed an amount I do not owe so his investigation was not accurate.

3. He stated I lived at an address I never lived at nor is on my credit report.

4. And he is not reporting accurately information to the CRAs. Please review previous complaint. XXXX Please delete this collection agency from all three of my credit bureaus as this company is practicing deceptive business practices.

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