Consumer complaint received 2024-03-20 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
Account # XXXX The XXXX XXXX XXXX XXXX is incorrectly reporting items on my account list as a charge-off/collection, including an open account that doesn't make any sense. Additionally, the account shows late payments when it should be listed as paid in full, never late, or removed from my account for inaccuracy. The credit bureau has taken well over 45 days to investigate the situation, and the account has not been validated. I did not receive a detailed report on the method used to validate the validity of this account. This is a violation of the Fair Credit Reporting Act. 

Dispute Letter XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX DOB XX/XX/XXXX SSN XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX 
Account # XXXX To whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being open but also as having a past due balance of {$2900.00}. 

This is a violation of the FCRA and is in violation of the requisite METRO2. 
Compliant reporting standards. 
According to the Fair Credit Reporting Act, I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable, or accurate. 
Please immediately remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards. This account will be removed upon completion. 


The XXXX XXXX XXXX XXXX XXXX, has charged me for a third-party debt that is fraudulent and unauthorized. XXXX XXXX XXXX XXXX made fraudulent charges on my credit report. This company created a fictitious apartment ledger without a letterhead or any documentation with my name attached, stating that I rented an apartment unit from XX/XX/XXXX until XX/XX/XXXX, which is fraudulent. They proceeded to attempt to open an XXXX account in my name. My attorney contacted them in XX/XX/XXXX to ensure they corrected the issue. I turned in a 60-day notice in XX/XX/XXXX and received at least XXXX letters from the acting landlord in XX/XX/XXXX. XXXX has since gone back and forth about the authenticity of the letters, stating they didnt want to honor the letter since their employee was terminated. XXXX also alleged they did not receive documentation from my attorney. They contradicted themselves by claiming that I lived there until XX/XX/XXXX, which is false, and did not turn in keys and had extensive damage to their apartment unit, and then they received their keys. There were no damages to the unit, and I owe no cleaning fees. In addition to the fees being unauthorized and fraudulent, the company is listed as a collection/charge-off on my credit report. They are listing the account as open, which is incorrect. The account also has late payments, which makes no sense, and a balance, which is against the FCRA laws. I never received a XXXX. The account has no outstanding balance because I moved out and left the account in good standing, and the charges are fraud. 
Sincerely, 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