Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Complaint:
On XX/XX/XXXX, I got an alert from Experian stating that XXXX XXXX flagged my account as charge-off. I opened up an investigation with Experian stating that this were inaccurate and that I never received a bill from this company. On XX/XX/XXXX, Experian alerted me stating that my dispute had been updated, attached you would find what my credit report was before disputing, due to I have disputed this account due to so many inaccuracies and not getting a bill, the after dispute information shows what my report is reporting today. In the mist of going through dispute with Experian, I received a collection letter from XXXXXXXX XXXX XXXXXXXX dated XX/XX/XXXX XXXX. On XXXX XXXX, Experian alerted me that XXXX reported the account on my XXXX  report. I disputed with XXXX  as well. On XX/XX/XXXX I contacted XXXX who is now XXXX and spoke with agent name XXXX who states she put in an XXXX for someone to call me back due to I never received a bill, verified with agent were the bill went to the old service address, however I did do a forward address but never received a bill from XXXX. On XX/XX/XXXX I spoke with XXXX from XXXX to let her know I had no problem with paying the bill but request that it be removed from Bureaus due to never received bill, she told me that someone would call me in 24-48 hours, no one never called me On XX/XX/XXXX I received another letter from XXXX XXXX XXXX for my bill with XXXX, I advised that I was waiting on someone to call me back so on XXXX I paid the bill in the amount on {$220.00}, confirmation # XXXX but the account were removed from XXXX  some time last year but not Experian. I even got a refund from XXXX due to overpaid. On XX/XX/XXXX I spoke with XXXX from XXXX who advised I would get email for deletion 24-48 hours, I never received. On XX/XX/XXXX I got a copy of my credit report from Experian and saw that the account was still reporting. Attached you will find a copy my report from Experian dated XX/XX/XXXX that shows all of the inconsistency with this account. On XX/XX/XXXX I opened another dispute with Experian letting them know this account were to be deleted due to I paid the bill and were advised by creditor that it will be deleted, provided Experian the confirmation and they will not delete, they keep saying the creditor verified the information as accurate, I have been dealing with Experian for 2 years now and this point I dont think they are even speaking the creditor, the next report from Experian dated XX/XX/XXXX has the same information as the report before from XX/XX/XXXX. I tried sending a letter to the CEO of XXXX as well with no response. On XX/XX/XXXX you see some of the data being removed that were showing on previous reports. Disputed again and got the same report from XX/XX/XXXX only dated for XX/XX/XXXX, Disputed again that account should be removed and got another report without deletion dated XX/XX/XXXX. At this time, Im asking for Experian to delete this from my credit report as it have damaged my credit and made me denied for credit, its unfortunately XXXX didnt honor their word nor send me deletion. Im no credit expert but at this time I know that my rights under FCRA has been violated in this situation more than once. Im at the point where maybe I should contact an attorney to see what rights have been violated. The resolution Im looking for in this matter is to have this removed from my credit as it has been removed from XXXX. Thanks for taking the time to read this and to assist with this matter. 

Sincerely

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 explanation