Consumer complaint received 2015-08-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
To the officials at the CFPB : On XXXX XXXX, 2015 I disputed a lien that was withdrawn and removed from my name in XX/XX/XXXX by the XXXX XXXX Recorders Offices as my application for withdrawal was accepted by the State of California. Account XXXX needs to be deleted from my credit file and Experian has verified it and updated my credit report in the matter of only XXXX days and has not sent me any paperwork or verification showing what they verified and how they verified this item with the XXXX XXXX Rec. Offices. I do not believe that they conducted a proper investigation and they have not sent me my requested descriptions regarding the information which they claimed to have verified. This item is not supposed to be reflecting on my credit report and now I am being denied credit and a better rate on my balance transfer cards with XXXX bank as they were relying on the removal of these liens by Experian to approve my credit lines. They are causing me so much stress and they are affecting my very existence! I attempted to call their executive offices and was not able to reach a live person. The XXXX devision has told me that they forwarded removal of invalid Lien slips to the XXXX bureaus. I wonder why Experian has not updated like the other XXXX have? Please, I need the help of the CFPB because this item is illegally reported and not valid and was paid in full immediately and sent to the recordings office before its due date which caused a record in the system, but this has since been removed from my name after the release and the withdrawal of the lien. This was a mistake by the offices and if Experian conducts an in depth investigation they will se that this account in not in archives nor is it verifiable or accurate os of XX/XX/XXXX. Please please can your agency help me? I have also filed a report with the FTC and the XXXX once I received a notification that they had verified it and sent me absolutely NO evidence of how, when and why! I do not understand how they even conducted a through investigation so quickly! I do not understand, this is my livlihood! I do not feel like an investigation was even conducted. This public record item is ruining my life I am only XXXX years old, they have no idea how much this is affecting me. The State does not allow bureaus to report join their behalf with inaccurate information. No one at the recorders office has been contacted by this company and the account is not verifiable as of XXXX 2015. Please this needs to te deleted immediately so I can finally breathe. I worked for years to work to get the state to see the mistake that was made as the amount was paid years ago before even being transferred to the XXXX XXXX recorder offices in XXXX, California. Can you please ask them to conduct a new investigation immediately? I read on XXXX that you guys help people in need to get these invalid liens deleted! Please, i need you help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation