Consumer complaint received 2017-06-22
Company: Experian Information Solutions Inc.
State: NE
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 submitted a dispute to Experian regarding a recent collection entry on my credit report by a third party debt purchaser. The collection agency made a hard inquiry at that time XX/XX/XXXX on a debt that had already completed it 's aging beyond the date of first delinquency of XX/XX/XXXX. The original creditor was XXXX XXXX XXXX, which has since dissolved and purchased by XXXX XXXX XXXX in XX/XX/XXXX. <P/>The original collection was removed by Experian in XX/XX/XXXX. and I have documentation of the removal due to aging beyond date of first delinquency of XX/XX/XXXX. <P/>FromXX/XX/XXXX to XX/XX/XXXX, this debt appeared multiple times on my report from several collection agencies and debt purchasers, which I have documentation on. Including letters from collection agencies from XX/XX/XXXX to XX/XX/XXXX.
<P/>XXXX XXXX, a debt buyer/agency made an inquiry on my report in XX/XX/XXXX, and placed a collection account on my report at the same time for this old  account. It was placed as a current collection starting XX/XX/XXXX as the date of 1st delinquency, ten years after the original date of delinquency. <P/>A call was made by Experian to XXXX XXXX at my request stating my dispute that the XXXX debt was too old from XX/XX/XXXX. Since XXXX XXXX said that the date of delinquency was XX/XX/XXXX, Experian could n't remove it. I wrote a letter of formal dispute to Experian and they finally removed the collection from being reported. <P/>On XX/XX/XXXX another collection agency, XXXX XXXX XXXX of XXXX TX, made a hard inquiry on my report as a collection account for the same XXXX XXXX Credit Card. A phone call was made to Experian regarding the matter, but they would n't remove it at that time even though my documentation was on file with regards to XXXX XXXX violation. I mailed a dispute letter to Experian, a FDCPA letter to XXXX XXXX XXXX, and the Texas Attorney General 's office. Another 30 days later, and the inquiry and entry were removed by Experian. <P/>I elected a legislative security freeze on all of my files at that time as we were in the process of buying a home. <P/>On XX/XX/XXXX, a new collection account was placed on my Experian credit file ( which has a freeze ) from XXXX XXXX XXXX of XXXX, IL regarding an XXXX credit card account with the re-aged date again of XX/XX/XXXX, which again is 10 years after the correct date of XX/XX/XXXX. I spoke with Experian this morning regarding the same matter and referred to the above two previous violations of XXXX XXXX, and XXXX XXXX XXXX with regards to the same XXXX XXXX credit card. The rep had researched supposedly my two previous complaints, but said he did n't have enough to remove the entry and would have to submit a dispute to XXXX collection on my behalf, and it could take up to 30 days again. <P/>There are several violations of the FCRA, and FDCPA acts here. Not to mention that I have a security freeze on my account. Since XXXX XXXX XXXX had been removed from my report in XX/XX/XXXX, from the original date of first deliquency in XX/XX/XXXX. Neither XXXX XXXX, XXXX XXXX XXXX, or XXXX had a permissible purpose to review my credit report as an inquiry, or place an account on my credit report as a collection account. Somewhere in the 6 or more collection agencies trying to collect on this debt, an illegal re-aging of this debt has occured. Experian violated my security freeze by allowing a fraudulent entry into my report by a collection agency on a debt that is now 16 years old. I am very educated with the laws of FCRA and FDCPA, and have taken steps to protect my identity, not only with a security freeze, but paying monthly credit monitoring charges to these agencies. If I have to have this much emotional and time disruption into my daily life to protect myself, how do the financially unsophisticated citizens keep up and prevent this abuse? Somebody needs to help those folks. <P/>Please tell me what you can do, or do I need to hire a private attorney?

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