Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
In XXXX of XXXX my 2 year contract with XXXX XXXX was completed, my home had sold at XXXX XXXX  XXXX XXXX XXXX XXXX, and I was moving XX/XX/XXXX. I contacted XXXX XXXX in XXXX of XXXX to explain to them I was no longer going to be using their service for cable/internet as of XXXX XXXX, I wanted my services disconnected because my home had sold and I would be moving to a new home who didnt XXXX XXXX in the area for cable/imternet. I would return all of my XXXX equipment, to my local XXXX store prior to that, per XXXX customer service request, and would save my receipts for the return from ups store for verification of return for 2 years, in case they said they were not returned or received. All of the above was done, and completed without issue by XX/XX/XXXX. I did t think anything of it, until I started getting emails from XXXX saying that my bill was overdue/not paid and equipment not received for termination of services. Immediately i emailed a response saying equipment had been returned with proof of return receipt, and proof that I had moved, on XX/XX/XXXX, per the agreement we had made via phone in XX/XX/XXXX. From that moment on, Ive been disputing this account being owed, since XX/XX/XXXX. This debt was added to my credit report for nonpayment in XXXX I believe, at which time I disputed, with the original creditor and Experian. Again, with all documentation that I didnt owe this bill. It was removed from my credit report XXXX XXXX, when I received notice of my dispute findings. I also have that verification The original creditor was enhanced recovery collections, so finally this was done and over with, I could move on from dealing with this. HOWEVER, the happy ending was short lived. In XXXX this same collection ends up BACK ON MY CREDIT REPORT, sold to another creditor, which was illegal, considering it was deleted and removed from credit report per dispute in XXXX. New company is XXXX XXXX XXXX, they claim this is brand new delinquent account turned over to collection in XXXX this is CRIMINAL, not true and has XXXX my credit up for another almost 2 years, and I still cant get it off, NO MATTER HOW MANY TIMES I DISPUTE IT WITH EXPERIAN, showing documentation that they already deleted it from my credit report in XXXX because it was not true/accurate information. Honestly the amount of hardship this has caused me with my credit report and being denied credit is indescribable. How this is legal and continues STILL TO THIS DAY. Is beyond comprehension. I have.been denied housing, car loans, credit cards, and utilities over this for years, who the XXXX do you think your are EXPERIAN, telling me repeatedly that your investigation ( XXXX ) found this information to be verified accurate and true over and over again, DESPITE the fact that you had already removed it from my credit report after the FIRST DISPUTE IN XXXX? Thankfully Ive saved enough information and documentation over the years to help support my case and my claim, BUT what if that wasnt the case, for whatever reason, and I didnt have access to the old information when my case was disputed and deleted ; I would just be screwed and have been screwed anyway, despite the fact that Ive followed all the procedures. I am seeking counsel over this for the many lawsuits/class actions against Experian and others who have caused extreme harm to my credit report and my life.

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