Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX I received email notifications from XXXX and Experian alerting me of a derogatory item that was reported from XXXX XXXX XXXX XXXX in the amount of {$260.00}. Less than week later, I received a billing statement from XXXX XXXX XXXX XXXX referencing the same account with a {$0.00} Total Due balance for the period of XX/XX/XXXX - XX/XX/XXXX. I also received {$0.00} balance/credit statements for the prior months of XXXX and XX/XX/XXXX for the same account. I called the creditor about this item on XX/XX/XXXX and was told that an additional {$260.00} had been billed to the account on XX/XX/XXXX due to internal dual billing of XXXX XXXX XXXX and XXXX the account to a collection agency less than XXXX  days after the account billing. I was never notified of a balance during this time via email, phone, XXXX Mail, or account portal or given the opportunity dispute/settle the account, yet I received XXXX prior consecutive {$0.00} balance billing statements. 

The account referenced on the derogatory item has been closed as of XXXX ( XXXX - XXXX XXXX XXXX XXXX ) and was transferred to XXXX XXXX XXXX XXXX XXXX billed under account number ( XXXX - XXXX ) as confirmed by XXXX XXXX XXXX representatives on a recorded phone call on XX/XX/XXXX further documenting the account 's inaccuracy. It was acknowledged by the creditor 's representative that the correct billing amount was never issued and that I had indeed received invoices stating that a credit was owed to me ( the customer ) on this account for several billing cycles, and that this account was not delinquent after consulting with the billing department due to the fact that the account was less than XXXX past due. The representative acknowledged these facts and confirmed this as true with the XXXX & XXXX billing/collections department on the same call, but they told the agent its too late to do anything about it now and the action could not be reversed. 

Upon my request, the representative put in a request on XX/XX/XXXX to issue a corrected final bill for services that were disconnected at my request and transferred to XXXX XXXX XXXX XXXX in XX/XX/XXXX. I received the billing statement via mail on XX/XX/XXXX for the amount that was reported to collections on XX/XX/XXXX, XXXX XXXX, XXXX  days after the stated due date. Note : This statement was never previously issued to me, it looks completely different than the statements that were actually mailed to me and the statement references an account that was closed in XXXX. 

On XX/XX/XXXX, I mailed certified letters with support documentation to the XXXX XXXX XXXX XXXX XXXX Department, Experian, and XXXX disputing the derogatory item on my credit report due to factual errors and lack of evidence that this account was delinquent or the charges stated were correct based on the billing invoices received XXXX - XXXX XXXX. I disputed this item to Experian on XX/XX/XXXX and the dispute was closed simply stating that the debt was " verified '' with no evidence of an investigation of the billing discrepancies. I filed a second dispute with Experian and received in the same result on XX/XX/XXXX despite providing billing statements and evidence of reporting errors. 

On XX/XX/XXXX, XXXX reported the same finding as " verified '' without evidence of investigating the dispute reason of incorrect billing and reporting. 

Based on this information the following laws have been violated : 15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

( XXXX ) Duty to provide notice of delinquency of accounts ( A ) In general A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 

( B ) Rule of construction For purposes of this paragraph only, and provided that the consumer does not dispute the information, a person that furnishes information on a delinquent account that is placed for collection, charged for profit or loss, or subjected to any similar action, complies with this paragraph, if ( i ) the person reports the same date of delinquency as that provided by the creditor to which the account was owed at the time at which the commencement of the delinquency occurred, if the creditor previously reported that date of delinquency to a consumer reporting agency ; ( ii ) the creditor did not previously report the date of delinquency to a consumer reporting agency, and the person establishes and follows reasonable procedures to obtain the date of delinquency from the creditor or another reliable source and reports that date to a consumer reporting agency as the date of delinquency ; or ( iii ) the creditor did not previously report the date of delinquency to a consumer reporting agency and the date of delinquency can not be reasonably obtained as provided in clause ( ii ), the person establishes and follows reasonable procedures to ensure the date reported as the date of delinquency precedes the date on which the account is placed for collection, charged to profit or loss, or subjected to any similar action, and reports such date to the credit reporting agency. 

( XXXX ) Negative information ( A ) Notice to consumer required ( i ) In general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 

I request the immediate deletion/removal of the following item from my credit report : XXXX XXXX XXXX XXXX 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