Consumer complaint received 2020-09-09
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:
XX/XX/XXXX paid debt collector XXXX XXXX   IN FULL. 
XXXX XXXX, XXXX XXXX RE SUBMITTED THE account as a NEW COLLECTION, PAST DUE AND LATE PAY YO EXPERIAN XXXX 
EXPERIAN did NOT NOTIFY me for 25 days this had occurred. They did not put an alert in my credit report. They processed the NEW COLLECTION ACCOUNT and deducted 16points. 
I filed several disputes regarding the duplicate COLLECTION account filed. It had the same account number, same debt collector. What changed was the date opened and the amount owed. The NEW COLLECTION ACCOUNT REPLACED the original collection acct opened in XX/XX/XXXX. XXXX XXXX CHANGED THE DATE OPENED TO XXXX XXXX, XXXX, the day AFTER the debt was PAID. The NEW COLLECTION ACCT also showed a debt of {$0.00} owed. EXPERIAN PROCESSED THIS DEBT OF XXXX AS A NEW COLLECTION AND ALSO A PAST DUE AND LATE PAY, ALSO FOR {$0.00}. 
This was the 2ND NEW COLLECTION PROCESSED BY EXPERIAN FOR XXXX XXXX. XXXX WAS REMOVED THE SAME DAY BECAUSE AN ALERT WAS GIVEN. 
THE ONE I HAVE ISSUE WITH, IS XXXX XXXX. THERE ARE 3 DISPUTES WHICH THEY NEVER COMPLETED, ALL ABOUT THIS BEING THE SAME ACCOUNT NOW FILED A SECOND TIME. I HAVE TALKED TO 18 DIFFERENT PEOPLE, BEEN HUNG UP ON, AND MY INTELLIGENCES DIRECTLY INSULTED. 
I HAVE A XXXX IN XXXX XXXX FROM XXXX. I KNOW I AM 100 % in the right. My FICO SCORE HAS been damaged as well as my credit history. I filed 5 disputes. Not one answered my dispute of this NEW COLLECTION OR THE POINTS DEDUCTED. AS A RESULT, I WAS DENIED CREDIT AND FURTHER POINTS DEDUCTED. A TOTAL OF 19 POINTS WERE DEDUCTED FOR 3 CREDIT INQUIRIES. POINTS WERE AWARDED AND TAKEN THE SAME DAY WITHOUT ANY REASON. MY  SCORE HAS NOT RECOVERED THE GAINS I NATURALLY MADE DURING THIS PERIOD. I NEVER RECOVERED THE POINTS DEDUCTED FROM HAVING THE NEW COLLECTION ACCOUNT SUBMITTED. IT WAS NOT REMOVED FOR OVER 45 DAYS, DAMAGING MY CREDIT WORTHINESS. EXPERIAN ALLOWED XXXX XXXX TO RESUBMIT AN ACCOUNT ALREADY PAID TO XXXX. THEY ALLOWED A PAST DUE AND LAYE PAY TO BE FILED ON A DEBT IF XXXX. EXPERIAN WITH HELD NOTIFICATION TO ME FOR 25 DAYS, DESPITE THE ACCOUNT WAS IN DISPUTE. THE DELAY PREVENTED ME FROM TAKING IMMEDIATE ACTION TO CURE THE PROBLEM. THEY REFUSE TO ACKNOWLEDGE THIS AFFECTED MY CREDIT, BUT THE VOLATILE SWING IN POINTS FROM XXXX TO XXXX TO XXXX TO XXXX AND BACK TO XXXX, SHOWS THE AFFECT. ALL THIS IN TWO WEEKS TIME. EXPERIAN FAILED TO UPHOLD THE REGULATIONS IN PLACE TO PROTECT CONSUMERS FROM PREDATORY DEBT COLLECTORS. THEY FAILED TO PROMPTLY ALERT ME OF THE FILING, WAITING 25 DAYS AND ALLOWED MY CREDIT YO BE DAMAGED. THEY FAILED TO COMPLETE 3 DISPUTES IN REGARDS TO MY COMPLAINT. THEY CLAIM TO HAVE NO KNOWLEDGE IF THUS NOW. I HAVE ALL THE REPORTS WHICH ARE STILL VIEWABLE ONLINE. THEY ARE PLAYING GAMES .THEY RUINED MY CHANCES TO OBTAIN A CAR LOAN. MY PAYMENT HISTORY HAS BEEN EXCEPTIONAL AND I STILL CANT RECOVER FROM THIS DEBACLE.

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