Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/XXXX I subscribed to a third party rental reporting company called " XXXX XXXX XXXX for purpose of having rental history reported to 3 credit reporting agencies Experian, XXXX and XXXX. After 30 days XXXX and XXXX both promptly updated my credit report to reflect rental data furnished by XXXX XXXX XXXX.On or around XXXX XXXX XXXX XXXX Experian updated credit profile/report to show data provided by XXXX XXXX  XXXX ( SEE ATTACHED SCREENSHOT ) . However on XX/XX/XXXX ( SEE ATTACHED XXXX XXXX XXXX XXXX XXXX XXXX was deleted from my Experian consumer credit report/ for no apparent reason. I immediately reached out via telephone and email correspondence to XXXX XXXX ( Founder of XXXX XXXX XXXX ) and employees responsible for rental history data furnishing to Experian Credit Bureau and they stated they did not request any deletion of rental history account they submitted to Experian. I contacted Experian on XX/XX/XXXX inquiring of deletion and they instructed me to contact XXXX XXXX XXXX and have them to refurnish data to have it re-inserted back on consumer credit report. I did as Experian instructed and communicated with company to resubmit my OPEN rental tradeline again with Experian. XXXX XXXXXXXX XXXX obliged and resubmitted data to Experian, but as of XX/XX/XXXX they have refused to re-insert my ( Currently Open ) XXXX XXXX XXXX rental tradeline back on to my regular credit report after deleting it on XX/XX/XXXX. I spoke with Experian Rent Bureau representative XXXX XXXX telephone on XX/XX/XXXX and XXXX on XX/XX/XXXX and they both indicated they see Rental reporting data re-furnished by XXXX XXXX XXXX as of XX/XX/XXXX and transferred me to disputes where a representative stated she would submit a internal request to have account re-inserted back on Experian consumer credit report since she could see Rent info had been re-submitted by XXXX  and she saw no clear indication why it was deleted/removed. On XX/XX/XXXX after being told by XXXX on XX/XX/XXXX I would receive a update presumably re-insertion of my Open rental tradeline I instead received a email alert stating dispute result was ready and it indicated XXXXXXXX XXXX XXXX XXXX was DELETED and not re-inserted as expected ( SEE ATTACHED ). Experian is currently refusing to re-insert my OPEN rental tradeline that was furnished for reporting by XXXX  XXXX XXXX. Furthermore not only has Experian refused to update my consumer credit profile with rental tradeline reported by XXXX XXXX XXXX they have also refused to address my inability to be able to file a dispute online despite having a {$19.00} Premium Identity Membership Product. I have reached out to on 4 -5 different occasions and have been given case # numbers each time but noone in their dispute department will address or resolve ongoing technical error that has prevented me from this PAID online function ( SEE ATTACHED SCREENSHOT ) I've reached out for resolution regarding said matters and have attached email correspondence directly from Founder of XXXX XXXX XXXX who has taken a hands on approach with me through conference calls and correspondence with Experian to have my currently OPEN rental tradeline to be re-inserted onto my credit report. As of XXXX Experian has refused to re-insert my XXXX XXXX  to my regular credit report even though rental history and payment history has been provided by XXXX XXXX XXXX and confirmed by Experian Rent Bureau on XX/XX/XXXX and XX/XX/XXXX. Furthermore Experian has deleted my Open XXXX XXXX XXXXhat was previously present on my consumer credit report without discretion or regard for information that has been accurately reported by XXXX XXXX XXXXXXXX to Experian on my behalf. I have attached several screenshots of my Experian credit report showing XXXX XXXX XXXX account info as reflected on XX/XX/XXXX. This is a current Open account and should be reporting as such. I am requesting resolution of this matter by Experian and mediation by CFPB as of XX/XX/XXXX.

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