Consumer complaint received 2023-05-30
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (ME)

Complaint:
# 1.

I have made several attempts to have an issue that violates a federal statue removed from my credit report with Experian, the debt collector and the establishment. 
Prior to moving from XXXX to XXXX XXXX I had t file an XXXX XXXX XXXX  against a XXXX XXXX XXXX XXXX who also had my XXXX XXXX XXXX daughter ( at that time ), also file charges. I was honest with management and chose the complex because it was gated, amongst many reasons. 
I signed a 6 month term due to the nature of my fear and unsettled state. 
One of the managers told this person, when he called, I did in fact reside there giving him the opportunity to find me. He did. I filed a complaint with the police as was my instruction from the Court. 

I have attempted to have this removed from my credit report as it is a violation of my constitutional and federal rights according to statue 13-3601.

A. A tenant may terminate a rental agreement pursuant to this section if the tenant provides to the landlord written notice pursuant to this section that the tenant is the victim of XXXX XXXX  as defined in section
13-3601 or was the victim.

I had to move after having an XXXX XXXX XXXX violated as a manager of this apartment told the person I filed against I was living there. He was able to find my new phone number and started communicating with me again.

I followed all of the correct measures and I filed a new violation report with the police, in the city before I exited the property. When I left it was spotless, despite a one week disturbuance of my peace I had with an property flooring issue that required my leaving because of fumes.

In addition I have submitted all of the necessary paperwork including embarrassing personal information to the credit bureau 3 times. Each time all of the participants in this complaint restart this clock as if this was XXXX in a bullying attempt to force to pay for months I neither was contracted to pay nor required by this statue. 

# 2 I have not had anything change credit score wise, over 3 years although they have corrected some information, Experian changed incorrect information but has yet to raise my score but XXXX points in 3 years while all other credit bureaus have raised my score at least XXXX points. 

These issues that should have been resolved from XXXX have resulted in my being turned down from other apartment rental approvals ; Employment opportunities and even Non-Profit Volunteer opportunities. 

This needs to be resolved once and for all. I currently hold a XXXX XXXX XXXX with Experian, A XXXX with XXXX XXXX and a XXXX with XXXX .... Experian has not moved but XXXX points in 4 years. This is not reasonable nor acceptable. 

This issue violates my protected rights as a XXXX XXXX victim and re-victimizes me b y doing exactly what this person was trying to do in the first place back in XXXX.

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