Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX and I rescinded my tenancy on XX/XX/XXXX. The technical dates of my lease were XX/XX/XXXX to XX/XX/XXXX. The unit was uninhabitable due to a roach infestation and painted roaches throughout the home, specifically the kitchen cabinets and drawers. There was also no hot water in the apartment unit. This was not fixed until eight days later. I complained about these issues immediately upon arrival and due to the excessive number of painted roaches and infestation. It was deemed that the unit was unlivable. The apartment acknowledge the error and agreed to terminate the lease without prejudice per attachment. They sent me a refund check for my deposit and full rent for the month of XXXX. Later, threatened to mark my lease as broken and charge My Account if I didnt sign an NDA , to which I refused. XXXX XXXX wanted me to remove my XXXX reviews, cancel my XXXX  complaint, and also remove and refrain from any future or present online commentary about the apartment company or my experience. I continue to refuse to sign and this resulted in them canceling my check. However, I still have the hardcopy. They also retaliated by marking my tenant record as having outstanding rent for the month of XX/XX/XXXX. This information is incorrect due to the lease dates and in acknowledge in their own letters, which were XX/XX/XXXX to XX/XX/XXXX. The keys were returned to them and the key return acknowledgment was signed by both parties per the attachment. Because of this, You can not charge a tenant for rent for a month in which you did not bill them for, and they did not reside in the unit. Specifically, once a mutual agreement was verbally made, or in this case in writing via the attachment/email, and the keys had been returned, which will also be attached as my proof. The false and outlandish claim of outstanding rent for a time in which I did not reside at the residence, is unlawful to say the least. Although the company threatened to do something like this, I was not aware until I applied for apartment recently to which I was denied. I requested a copy of the denial report and thats where I found an impeccable record until get to the report from XXXX XXXX. The company marked me as having outstanding rent for the month of XXXX but also acknowledging that my lease was from XX/XX/XXXX to XX/XX/XXXX. The false reporting lead to me getting denied for an apartment. Ive received confirmation from other apartments as well stating that this must be removed in order for me to be able to be approved. They confirmed that I will continue to be flagged and it will look as if I have unpaid rent. Therefore, no apartments will rent to me. My entire credit report will show that I have never been late on any payments not a school loans, not a car payment, never with rent. I have letters of recommendation from previous landlords and have received every deposit back through my tenancy. I pride myself on paying my bills and never owing anyone. Because I decided to speak up for myself this company has decided to find a loophole allowing them to prevent me from getting housing. I contacted Experian, and they told me to file a dispute. I did so and I provided them with the move out statement key return acknowledgment, a copy of the refund check as well as stated I could provide any additional information they may need to make the investigation is clear and concise as possible. I continued to follow up with Experian in hopes to speed this along as I am currently living in hotels and living out of a storage unit. Im also living solo in Arizona and have no support. Experian finally responded with a denial today, advising that they contacted XXXX XXXX, and because XXXX XXXX  states that this is a true fact, they sided with the apartment. The Experian representative XXXX confirmed that they did not review my actual evidence, did not request any additional evidence to do a formal investigation. The only investigation was a phone call to the reporting company XXXX, which is who has consistently lied, defamed, and retaliate against me. Based on this report, they have continued to defame me. There is no way this report reflects me as owing rent for a month. I did not reside in the home. I also pointed out to them that the month of XXXX was left blank. I find it odd that they did not find this odd. That a company can bill you for rent two months later after youve ended your contract and received your full deposit and refund. Im requesting an investigation in the processes of Experian rent bureau as a thorough investigation was not made to my case and should be. this This continues to cause me financial harm. Immense stress and Im already dealing with an XXXX XXXXXXXX where stress is one of the number one things I need to avoid. Please help me and getting this corrected as this is unlawful. Someone should be held responsible for not providing the service that is requested, which is my right. If I provide clear evidence to support my case, this information should be reviewed when provided. If there are any discrepancies the representative reviewing the case should be reaching out to me for clarification per their own process. This was not done.

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