Consumer complaint received 2016-06-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I want to file a complaint against the credit reporting agency Experian due to a Persistent Dispute Remark/Notation that they are refusing to remove off my credit report. I was in the unwriting process of a home mortgage when I received a call saying I have been denied due to a Persistent Duspute Remark on my credit report on a PAID IN FULL COLLECTION ACCOUNT. The lender advised me to call Experian and the Credit Card Company. I have made several calls and attempts to get this resolved and explained the situation. The first 3 times I called I was told that Experian had to contact the Credit Card Company to get approval to remove which could take 30 days. I called the Credit Card Company XXXX XXXX XXXX which told me they couldnt remove the Persistent Dispute Remark without account being paid in full and a letter from me requesting the removal, so paid the account IN FULL and I faxed them the letter. So i called them back and they told me they still couldnt remove the Persistent Dispute Remark bc Experian would have to do it. I made 4 more attepmts back to calling Experian and explaing to them that I have been denied a mortgage loan due to this Persistent Dispute Remark and what the XXXX XXXX Credit Card Company told me and that they are holding my credit report HOSTAGE by not removing this Persistent Dispute Remark/Notation. XXXX with Experian told me they called the XXXX XXXX XXXX Credit Card Company and the Credit Card Company told her the would not give approval both XXXX with Experian and XXXX XXXX, pretty much told me " oh well go pound dirt '' they understand that with the Persistent Dispute Remark continuing to stay on the report will cause me to not get a mortgage but there was nothing they could or would do. XXXX with Experian proceeded to tell me that it was against their policy to remove the dispute remark. Saying there are some situations where their policy would do it but this wasnt one of them. So me and my XXXX children living on the streets bc of a PERSISTENT DISPUTE REMARK/Notation on a PAID IN FULL COLLECTION ACCOUNT isnt a good enough reason for their removal policy. I really feel they are holding my credit report XXXX and my life and my children 's life are in their hands and they can play with it. This has been extremely stressful going through this process when neither the XXXX XXXX XXXX Credit Card or Experian will help me but they will play with me, XXXX, cause me to miss hours and days off work, and lose my down payment and all other expenses ive paid into getting a new home for me and my children. I dont understand how they are allowed to ruin and play with other peoples lives and money like this. My credit report is being held HOSTAGE over a PERSISTANT DISPUTE REMARK/NOTATION on a PAID IN FULL COLLECTION ACCOUNT. Please help me and/or tell me what else I can do. My XXXX children and myself will have no where to live if I cant get this Persistent Remark removed off my Experian Report and close on my home by the end of this month, XXXX XXXX, 2016. Thanks for your time. 
XXXX 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 non-monetary relief