Consumer complaint received 2024-08-23 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: WA

Complaint narrative:
XXXX is listed on all XXXX of my credit bureaus as a collections that I paid XXXX  {$500.00} for but they were listed & paid through my XXXX  XXXX. 

I have tried for a very long time to get this resolved. I have not been successful despite me providing legal documentation and I very frustrated. 

XXXX has not been able to justify or confirm that this was my account. They have NOT sent documentation that I had this account they are claiming opened XX/XX/XXXX. Since XXXX or XXXX, my account at my ONLY residence was with XXXX only . I did not have any account with XXXX. I have the attached documentation to show that I have been with XXXX which are billing statements and confirmation of my payments to XXXX 

I am also providing documentation to show that XXXX WAS included in my XXXX  XXXX which is from the federal court online system. I also have legal court documentation that I received from the XXXX  XXXX Trustees Office that outlines creditors paid and XXXX IS listed with the payment that was allowed through my XXXX  XXXX regardless of the balance since my XXXX was not a 100 % pay to creditors. I am also submitting an email that I received from XXXX where they confirmed that they received notification of my XXXX  XXXX. 

The only reason why I paid the over {$500.00} debt in collections ( which the creditor isnt even listed ) is only because I went for a home loan after selling my house in XX/XX/XXXX and the mortgage lender said that was showing on my credit report. I did not have time to dispute what it was for and was told to go ahead and pay and dispute it later which I have been attempting to do because its again negatively impacting my credit hindering me from obtaining a home loan and impacting my credit score. 

Now that Im trying to dispute it, I am running into so many barriers although I have submitted several times proof of legal documents that they were included in my XXXX  XXXX ; thru acknowledged being part of it ; AND, they received payment ; therefore, I did not owe this amount ; I did not have an account with them ; I have proof that I had XXXX  ONLY ! 

I have also escalated this to the Consumer Financial Protection Bureau because one of the representative that I spoke to was very combative ; she said that you all are rejecting what I submitted because she said it didnt say XXXX XXXX although I had her confirm the case # to ghe case # on my XXXX  XXXX she was still very difficult and I feel she was deliberately sabotaging my credit report & disput just to be spiteful abusing her power ( Note : I have her name documented & will file a grievance against her personally ). After I will re-reviewed the document that was sent in the other documents, it was very clear that it was a XXXX  XXXX ; it had federal court information on there ; it had the XXXX  XXXX Trustees contract ; it had my XXXX  XXXX attorneys name, address, & phone number. It had my info. Again, very frustrating because it was deliberate sabotage by that representative. 

Heres the documentation AGAIN! I need to have this escalated and reviewed ASAP. At this point, I am requesting that they just be removed from my credit report and refunded the over {$500.00} that I paid. 

Thank you in advance!

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