Consumer complaint received 2025-11-04 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: MO

Complaint narrative:
XXXX ) XXXX XXXX What happened? ( Debt collection Attempts to collect debt not owed / Credit reporting problem ) In early XXXX, the property manager ( as agent for the owner ) filed a rent & possession + money case against me. That court case, * * No. XXXX * *, was dismissed without prejudice on XX/XX/XXXX * * there is * * no judgment * * and I do not owe a balance on that tenancy. 

Despite that outcome, a new collection for {$9600.00} later appeared on my credit reports from * * XXXX XXXX * *. The report shows the collection * * Opened XX/XX/XXXX * * and * * Reported XX/XX/XXXX, * * but lists * * Original Creditor : Not Available. * * One bureau shows the collections * * condition as Unknown, * * while another shows * * Closed, * * which is internally inconsistent. I disputed and asked for validation ( lease, final ledger, moveout itemization, deposit accounting, and chain of assignment ). As of my * * XX/XX/XXXX credit report * *, the tradeline is still appearing with those inconsistencies. I am requesting deletion unless the company can mail full validation, and that the account be reported as disputed while the investigation is pending. 

-- - XXXX ) EXPERIAN What happened? ( Credit reporting Incorrect information on your report / Identity theft / Problem with investigation ) On * * XX/XX/XXXX * *, I completed a * * notarized Fraud Affidavit * * and filed an * * FTC Identity Theft Report * * identifying specific tradelines as * * identity theft * * ( including * * XXXX XXXX * *, * * XXXX XXXX * *, * * XXXX XXXX  XXXX XXXX, * * XXXX  XXXX XXXX  * *, and * * XXXX XXXX XXXX * * ). I asked Experian to block these under * * FCRA 605B * *, which requires a * * block within 4 business days * * after receiving a complete 605B packet. 

As of my * * XX/XX/XXXX report * *, some of the flagged/fraud items and other inaccuracies are still present. Examples include * * XXXX XXXX  XXXX {$220.00} past due * * and * * XXXX XXXX showing {$480.00} past due * * despite my identitytheft filings ; and * * accuracy defects * * on closed accounts such as * * XXXX XXXX * * ( shows * * High Balance {$0.00} * * yet * * Balance/Past Due {$31.00} * * ) and * * XXXX XXXX  * * ( shows * * High Balance {$0.00} * * yet * * Balance/Past Due {$820.00} * * ) both inconsistent with closedaccount reporting. I asked Experian to reinvestigate, correct, or delete and to provide the * * method of verification * *. I also previously worked with the * * Missouri Attorney General * * in XXXX on creditreport disputes ; if any item previously deleted was * * reinserted * *, I did * * not * * receive a reinsertion notice. 

-- - XXXX ) XXXX  What happened? ( Credit reporting Incorrect information on your report / Identity theft / Problem with investigation ) On * * XX/XX/XXXX * *, I submitted my * * FTC Identity Theft Report * * and * * notarized Fraud Affidavit * * and requested * * 605B blocking * * for specific identitytheft tradelines ( XXXX XXXX ; XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Under * * FCRA 605B * *, XXXX  must block within * * 4 business days * * after receiving a complete packet. 

My * * XX/XX/XXXX report * * shows continuing issues : ( a ) identitytheft items/derogatories still appearing ( e.g., * * XXXX {$220.00} * * and * * XXXX XXXX {$480.00} * * ) ; and ( b ) * * accuracy defects * * where * * closed * * accounts still show balances/pastdue with * * High Balance {$0.00} * * ( e.g., * * XXXX XXXX  {$31.00} * * and * * XXXX XXXX {$820.00} * * ). In addition, the * * XXXX XXXX * * collection lists * * Original Creditor : Not Available * * while reporting inconsistent status information across bureaus. I requested reinvestigation, deletion/correction, and * * method of verification * * for any item remaining. I also previously engaged the * * Missouri Attorney General * * process in XXXX ; if XXXX reinserted any item previously deleted, I did not receive a * * 611 ( a ) ( 5 ) ( B ) * * reinsertion notice. 

-- - XXXX ) XXXX  What happened? ( Credit reporting Incorrect information on your report / Identity theft / Problem with investigation ) On * * XX/XX/XXXX * *, I provided * * identitytheft documentation * * ( FTC report + notarized affidavit ) and asked XXXX  to * * block * * the specific fraud tradelines under * * FCRA XXXX * * ( XXXX XXXX ; XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 605B requires a block within * * 4 business days * * once a complete packet is received. 

My * * XX/XX/XXXX * * report still reflects unresolved issues, including identitytheft derogatories and * * accuracy defects * * on * * closed * * accounts that show balances/pastdue with * * High Balance {$0.00} * * ( e.g., * * XXXX XXXX  {$31.00} * *; * * XXXX XXXX  {$820.00} * * ). The * * XXXX XXXX * * collection also appears with * * Original Creditor : Not Available, * * while another bureau shows a different condition for the same accountindicating inconsistent reporting across bureaus. I requested reinvestigation, correction/deletion, and the * * method of verification * *. In XXXX I worked through the * * Missouri Attorney General * * process and received updates/deletions ( e.g., a prior collection deletion and an auto tradeline update ). If any deleted item was later * * reinserted * *, I did * * not * * receive XXXX  * * 611 ( a ) ( 5 ) ( B ) * * reinsertion notice. 

-- - Exhibits referenced ( for your CFPB uploads ) * * * Court docket ( XXXX ) * * shows * * XX/XX/XXXX dismissal without prejudice * *. 
* * * Current XXXX credit report ( updated XX/XX/XXXX ) * * shows * * XXXX XXXX {$9600.00} * * ( Opened * * XX/XX/XXXX * *, Reported * * XX/XX/XXXX * *, * * Original Creditor : Not Available, * * status inconsistency ) and * * XXXX XXXX XXXX * * contradictions ; also * * XXXX {$220.00} * * and * * XXXX XXXX {$480.00} * *. 
* * * FTC Identity Theft Report ( XX/XX/XXXX ) * * lists the specific * * identitytheft tradelines * *. 
* * * Notarized Fraud Affidavit ( XX/XX/XXXX ) * * supports identitytheft claims and disputes. 
* * * FCRA 605B text * * confirms the * * 4businessday block requirement * *. 
* * * Missouri Attorney General correspondence ( XXXX ) * * documents prior dispute activity and * * deletions/updates * *, relevant to * * reinsertion notice * * requirements. 

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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