Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am writing to follow up on my previous dispute regarding the fraudulent collection account reported by XXXX XXXX XXXX ( XXXX ). This same dispute was successfully investigated and resolved with XXXX, resulting in the removal of the false collection account from my XXXX credit report. However, on XX/XX/year> and XX/XX/year>, I received correspondence from Experian that my dispute was reviewed and the information was verified as accurate. I've allotted more than a reasonable amount of time for a full review of my dispute however, it's clear my concern is being unfairly handled and not properly investigated. 

The pertinent details of my dispute are as follows : Collection Company Reporting on My Credit Report : XXXX XXXX XXXX ( NCS ) Original Creditor : XXXX XXXX XXXX Dispute Filed Date : XX/XX/year> XXXX Resolution Date : XX/XX/year> Despite providing all necessary documentation and evidence that this debt is not mine, the account remains on my Experian report. The debt was fraudulently reported in the first place, and I am a victim of identity theft. My identity was used by XXXX XXXX of XXXX XXXX XXXX, to fraudulently collect on a debt that I do not owe with the help of XXXX. Subsequently, XXXX reported this fraudulent balance to the credit bureaus. Around XX/XX/year>, I contacted XXXX as well and was told they can no longer discuss the account with me as they are no longer handling the debt. Therefore, XXXX has no authority to report the collection account and it should not be on my credit report, period ; yet months later it still continues to report. 

XXXX XXXX XXXX has a documented history of CID-related complaints in the CFPB 's XXXX Complaint Database. The vast majority of these complaints are due to NCSs improper handling of consumer collection accounts. This further supports my claim that the debt was improperly and fraudulently reported. 

I demand the immediate removal and permanent blocking of this debt from my Experian credit report. 

Enclosed Ive provided copies of all evidential documentation justifying my claim, including : 1. Verification attempts showing that the debt is no longer with XXXX. 
2. Evidence supporting my legal breach of the residential lease agreement under Texas XXXX XXXX XXXX XXXX and XXXX. These sections stipulate that that Texas tenants can legally breach a residential lease due to pest infestations when reasonable effort has been allotted yet landlord refuses to remedy the pest occurrence either by repairs, mitigation or other reasonable accommodations. 
3. Proof of fraudulent activity falsified tenant statement prepared by XXXX XXXX of XXXX XXXX XXXX ( provided by XXXX on XX/XX/year> ) XXXX. Correspondence with XXXX confirming the removal of the debt from my XXXX report. 
5. References to CFPB 's Consumer Complaint Database detailing concerns related to XXXX XXXX XXXX and their handling of Consumer Identity Document ( CID ) issues. 
6. An FTC identity theft report and any additional steps I've taken to protect my identity.

7. Additional identity theft packet with notarized Affidavit 8. Police Reports 9. Driver License and Social 10. Proof of residence Id like to also add that this inaccurate information has had a significant negative impact on me, including denied credit applications for opportunities that would greatly benefit me and my children, the denial of an additional license that would add another source of income for me and not to mention the many days of agony, emotional distress while awaiting credit decisions and license application appeals, consistently XXXX XXXX XXXX, all while in my XXXX trimester of XXXX. 

I demand that Experian conduct a thorough investigation into this matter and in doing so you will see that this account is invalid, incorrect and not at all owed by me! Please IMMEDIATELY REMOVE and PERMANENTLY BLOCK the inaccurate and fraudulent account from my credit report. I also request written confirmation of receipt of this letter within five business days and notification of the outcome of your investigation at your earliest convenience.

Lastly, please mail me a full copy of my credit report upon completion of your investigation. 

Thank you for your prompt attention to this matter.