Consumer complaint received 2015-07-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (NY)

This complaint is linked to XXXX previously submitted back on XX/XX/XXXX, My submission, { case number:XXXX }, and supposedly resolved, and another XXXX submitted earlier today, under # XXXX. 
Due to an alert by XXXX from XXXX XXXX, I disputed online within Experian 's extremely limited option box the collection reporting by XXXX, supposedly acting on behalf of XXXX. To my great bewilderment, there already was at exactly XXXX an online notification that " Your Experian Dispute Results are Ready ''. Here is the content of the result which pertains to DIVERSIFIED CONSULTANTS, within the entire body of my newest credit report provided by Experian : Credit ItemsDIVERSIFIED CONSULTANTAccount Number : XXXXOutcome : UpdatedDetails Of Dispute ResultsPotentially Negative Items or Items for further review ( highlighted in red ) This information is generally removed seven years from the initial missed payment that led to the delinquency. Missed payments and most public record items may remain on the credit report for up to seven years, except Chapters XXXX, XXXX and XXXX bankruptcies, which may remain for up to 10 years ... ( etc ) XXXX XXXXAddress : XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXXXXXXAccount Number : XXXXOriginal Creditor : XXXXAddress Identification Number : XXXXStatus : Collection account. {$410.00} past due as of XXXX XXXXStatus Details : This account is scheduled to continue on record until XX/XX/XXXX. This item was updated from our processing of your dispute in XX/XX/XXXX. 
Date Opened:XXXX/XXXX ; Type : Collection ; Credit Limit/Original Amount : $ XXXXReported Since : XXXX ; Terms : 1 Months ; High Balance : NADate of Status : XXXX ; Monthly Payment : {$0.00} ; Recent Balance : $ XXXXLast Reported : XX/XX/2015 ; Responsibility : Individual ; Recent Balance : $ XXXXPayment History : XX/XX/XXXX CAccount History : Collection as of XXXX XXXXYour Statement : DELINQUENCY DUE TO DISPUTED BILLIING PROCEDURES. 
Certainly, the aforementioned details are totally false since this matter was initially dealt with back in XX/XX/XXXX. Why is it resuscitated again? Has XXXX sold this account to some other entity in order to circumvent its fiduciary obligations according to FTC 's rulings? And why is it that EXPERIAN ( along with XXXX and XXXX ) which is associated with XXXX, siding unambiguously with this collection agency when in fact all of these Credit Bureaus had previously deleted XXXX collection efforts from my credit report pursuant to my former complaint under # XXXX? Why must there always be collusion of financial interests between the Credit Bureaus and these fraudulent collection agencies? These matters are extremely detrimental to consumers and the efforts to be made to combat such viles collection pratices are also extremely burdensome. The FTC in conjunction with the CFPB must agressively combat these fraudulent attacks on the consumers. To boot, The Federal Trade Commission did promulgate back on XX/XX/XXXX the following bulletin : " FTC Charges XXXX with Deceptively Advertising the Cost of its sateliite Television Service ''. It must also be noted that in this claim presentation of {$410.00}, part of it would be for equipment which was returned to XXXX by Certified mail. This is robbery at the consumer 's expense.