Consumer complaint received 2025-12-03 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: LA

Complaint narrative:
I am asking for help because I feel like no one has listened to me. My dispute with Experian was denied even though I submitted evidence, and it feels like only the landlords side is being considered. This situation has severely affected my mental health, my peace, and now my credit. 

The {$9000.00} collection being reported is not accurate, not properly validated, and does not reflect the unsafe, uninhabitable, and discriminatory conditions I lived in. The landlord even sent this same alleged debt to multiple collection agencies, creating conflicting and unreliable records. 
XXXX. I attempted to settle this matter directly, but the landlord never responded. 
I reached out several times to resolve this peacefully and reasonably, but I was ignored every time. It feels like the debt is being used as punishment rather than something legitimate. 
XXXX. The landlord used more than XXXX collection agency for the same alleged debt. 
This creates inconsistencies and is misleading. Experian did not consider this. 
XXXX. XXXX XXXX verification was incomplete and does NOT meet federal requirements. 
Their validation was only an invoice and a brief letter. They did not provide : a signed lease an itemized breakdown payment history proof the amount is accurate proof the landlord is entitled to collect chain of assignment explanation for multiple XXXX Despite this incomplete response, Experian still verified the account. 
XXXX. The amount is not accurate due to severe habitability violations. 
I lived in unsafe conditions for months, including : a ceiling that sagged, discolored, and eventually collapsed indoor temperatures near XXXX due to AC failure a broken toilet and broken ceiling fan XXXX around the building causing pests These conditions caused XXXX XXXX XXXX XXXX, and XXXX XXXX 
XXXX. My safety concerns were ignored. 
An unauthorized person lived in the unit, and even after police involvement, the landlord refused to change the locks. I felt unsafe living there. 
XXXX. I received unequal treatment compared to my former roommate. 
She violated the lease and moved in an unauthorized person but was allowed to leave with no debt, no collections, and even had her deposit returned. Meanwhile, I was ignored, left unsafe, and then charged thousands of dollars. It felt discriminatory and targeted. 
XXXX. Someone else moved into the apartment after I left, yet I am being charged as if it sat empty. 
This alone shows the balance is inflated and inaccurate. 
XXXX. The lease terms were changed without proper explanation. 
I believed I was taking over an existing lease. Instead, I was sent a new lease with conflicting dates that did not reflect our agreement. 
XXXX. This is my last attempt to resolve this before pursuing legal action. 
If CFPB can not help resolve this and remove the inaccurate collection, I am prepared to take legal action for discrimination, retaliation, and violations of tenant rights. 

I am asking for the inaccurate collection to be removed from my credit report because the balance is not accurate, was not validated, and does not reflect what actually happened.

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