Consumer complaint received 2015-07-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (AL)

I was denied a cosigner student loan from XXXX XXXX In XX/XX/XXXX, due to derogatory debt collection information reported to XXXX, XXXX, and Experian Consumer Credit Reporting Agencies by XXXX XXXX XXXX XXXX ( XXXX ). XXXX did not provide any information to me about the debt prior to posting derogatory debt collection information in my credit file. I only heard from XXXX after I made application for a student loan as a cosigner. When I investigated the matter, I learned that XXXX was representing XXXX, an apartment facility located near XXXX University, XXXX, AL. XXXX XXXX XXXX alleged a damage claim of {$330.00} owed by my nephew who subleased an apartment XXXX through XX/XX/XXXX. The debt was in ongoing dispute by the mother of my nephew who was never successful in getting anyone to reply to messages via email and telephone. I cosigned the sublease agreement for my nephew, hence I had financial obligation and would have gladly paid the {$330.00} if I had been made aware of the debt. My nephew 's mother disputed the damage claim based on her payments in XX/XX/XXXX to XXXX XXXX ( {$100.00} carpet cleaning ) and XXXX XXXX ( {$110.00} general cleaning ) due to the deplorable condition of the apartment at the time her son was moving in. No contact was made with me regarding the damage claim util after derogatory information was placed in my credit records by XXXX to the XXXX national credit reporting agencies. On XX/XX/XXXX, I received the first ever letter from XXXX indicating what the debt was, to whom it was owed and the amount owed. When I received this information I submitted to XXXX a check in the amount of {$330.00} dated XX/XX/XXXX. I requested that the " derogatory debt collection '' information be removed from my credit records and that I be notified of this action by XXXX and the XXXX credit reporting agencies. 
In the meantime, I sought assistance from the XXXX of XXXX Florida XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX XXXX, Consumer Affairs Representative ) ; State of Alabama Office of the Attorney General, Consumer Specialist, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX. I also submitted a compliant ( see referenced account numbers ) with the Consumer Financial Protection Bureau. 
Additionally, on XX/XX/XXXX I submitted detailed letters to XXXX, XXXX, and Experian requesting that creditors making inquiries into my credit history be made aware of the inaccurate derogatory debt collection information in my records. I worked on this matter from XXXX throughout XX/XX/XXXX to have my good credit record restored. XX/XX/XXXX, I received a letter from XXXX XXXX, Consumer Affairs Representative with XXXX of XXXX Florida indicating that XXXX XXXX XXXX XXXX XXXX submitted a letter to XXXX stating that all XXXX national credit reporting agencies had been requested to delete the debt collection information from my credit file. XXXX indicated to XXXX XXXX that written letter requesting deletion was mailed XX/XX/XXXX. I never received anything directly from XXXX. In XXXX, I did receive a letter from XXXX indicating there was no derogatory information showing in my file. For some reason, unknown to me the debt collection was re-filed with XXXX XX/XX/XXXX. I never received official letters from XXXX nor Experian, regarding the status of my credit record. After persistent e-checking of my credit file, I determined that the derogatory debt collection notation was not appearing on my credit record. 
However, as recently as XX/XX/XXXX, I was again denied credit by XXXX XXXX for the exact same reason as indicated in the credit denial letter from XXXX XXXX dated XX/XX/XXXX. In the recent denial, there was no indication by XXXX XXXX received my XX/XX/XXXX letter to credit agencies.