Consumer complaint received 2017-04-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been contacting Experian since  XXXX  regarding an issue on my credit that is erroneous and are fraudulent attempts to collect a fabricated debt by    XXXX   XXXX  /  XXXX   XXXX  /   XXXX   XXXX   XXXX  .      Back in  XXXX  I wrote in Complaint Number :  XXXX  Provided to Experian on    XXXX   XXXX   XXXX    Dear Sir or Madam : I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. This item  1    XXXX   XXXX  /  XXXX   XXXX   XXXX  /  XXXX   XXXX     XXXX    XXXX   XXXX   /   XXXX   /  XXXX  {$6600.00} {$6600.00}  XXXX / XXXX / XXXX  Closed _Amount 's have varied on multiple days. is inaccurate because this is a fabricated housing debt illegally entered against me that I do not owe.  XXXX  did not adhere to the strict Georgia Laws in regards to amounts owed or damages claimed at move out, I have provided the details that I also provided to them in writing below. They exceeded the required timeframe and move out process as outlined in the official code of Georgia. I am requesting that the item be deleted indefinitely as it also violates the FCRA and my rights. Info of reference as well as letter written to  XXXX  :  XXXX   XXXX   XXXX  has not strictly adhered to the procedures for retaining security deposits and/or claim additional damages laid out in Georg ia Code O.C.G.A. 44-7-30 through 44-7-36, you have for feited any right you may have had to claim additional damages from me.In order to make any claim for physical damages to the rental unit, a landlord must strictly follow the requirements of Geor gia 's Security Deposit laws. 1. The landlord must perform a move-out inspection of the premises and provide the tenant with a list of damages and the estimated value of the damag es within  3 business days after the tenant has vacated the premises ; I was provided with a notice  on    XXXX   XXXX   XXXX  . Within 5 busin ess days after the tenant has moved, the tenant then has the right to re-enter the premises to verify the accuracy of the list ; I received notic e 41 business days after I moved. 2. If the  landlord wishes to retain any or all of the tenant 's deposit and/or claim damages, the landlord must provide the tenant with a statement giving specific reasons for retaining the deposit and costs of any damage claimed, within  3 busin ess days ;  XXXX  failed to do so.  3. The landlord may not retain any part of the tenant 's security deposit for normal wea r and tear of the premises. All of the items listed below either did not occur during my occupancy or amount to no more than normal wear and tear :  XXXX   XXXX   XXXX  failed in your legal obligation to follow the procedures of the  Security Deposit Law, Georgia Code provides that you have forfeited any right you may h ave had to retain my security deposit or to claim additional damages from me. To avoid further liability, you must rescind your request with in 3  business days. Georgia law requires the landlord to inspect the premises for defects and compile a list of damages and their estimated dollar value. The inspection and the list must be completed withi n three  business days of termination of the occupancy ;  XXXX  failed to do so. The list must then be furnished to you withi n five business days from termination of the occupancy. See Georgia Law 44-7-33 ( b ). If th e landlord is late, they lose the right to retain your security deposit and/or make damage claims. Under Georgia  Code Section 44-7-34, I may  sue  XXXX  for  three times  the amount you are improperly withholding or claiming in damages plus attorney 's fees and court costs. I have consulted with my attorney and am aware of my legal rights and your legal responsibilities regarding security deposits, additional claims, and damages. I am prepared to take the legal action necessary to resolve this matter.     AS OF  XXXX  this same debt has been sold to  XXXX   XXXX   XXXX  and you allowed them to report erroneous fabricated debts that also inaccurate.       XXXX   XXXX   XXXX   is attempting to collect a debt that is not owned whatsoever. They purchased a fabricated debt from an old apartment that created charges because I took took them to court over fabricated electric bills. Initially they tried to collect the debt ov er 2 weeks after I moved but Georgia Law provides strict deadlines as to when a landlord can claim damage. They must do an exit walk through and send you ANY and ALL damages in writing within 5 business days of move o ut and by law I was supposed to be notified of inspection. The original creditor broke the law in failing to meet both requirements amongst other things. Additionally, in the  State of Georgia, it is illegal for the landlord to deduct damages for normal wear and tear. See 44-7-34 ( a ). Thus, carpet cleaning, wall painting and other like expenses can not be deducted fro m your security deposit if such resulted from normal wear and tear -- -they charged for this as well.   XXXX   XXXX   XXXX   XXXX   XXXX  sent a false verification of debt after I contacted them in writing, so for EACH CHARGE , 19 charges total, I requested, in writing, a VALIDATION of debt for every single charge and r equested documentation to support each charge because I have photos and documents that dispute the claim. They initially listed this debt on my credit for almost {$8000.00}, it was mysteriously reduced by over {$4000.00} when I send them my initial dispute and the responded with a verification of a fake list of charges. I sen t 19 VALIDATION, No t verification, request via certified mail, I paid almost {$140.00} to request validation and they tried to insult my intelligence by sending me another copy of their verification only changing the date. All of the charges are completely erroneous. They have not validated and have ignored all   19 requests.
Experian has allowe  d all of this to take place over the last several years and has allowed conflicting data on multiple occasions regarding the same collection account that has be proven to be illegal and contains several inconsistencies and completely different verification from different companies that reference the same debt, additionally each time the debt is listed by a different creditor, Experian allows them to reset the account life on my credit report, it 's been reset every year and it pushes it extends the life of the the debt so that the debt essentially can never expire.

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