Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding Experian and the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX for their failure to provide accurate and substantiated information on a charged-off account related to the property previously known as Winnstead Apartments, now XXXXXXXX XXXX XXXX XXXXXXXX. The mishandling of this dispute has raised significant concerns about compliance with the Fair Credit Reporting Act ( FCRA ) and applicable IRS regulations. 

Summary of Events : XXXX. XX/XX/XXXX : I contacted XXXX at the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  to dispute the alleged debt, which arose after I broke my lease due to severe gnat infestation at the apartment. Despite following suggestions from the leasing office and maintenance, the infestation persisted, forcing my family to incur additional costs for dining out daily. XXXX instructed me to send my documentation and dispute to the email address ( XXXX ), which I did on XX/XX/XXXX, but no response was received. 
XXXX. XX/XX/XXXX : I submitted a formal dispute with Experian, challenging the accuracy of the reported balance and requesting supporting documentation. 
XXXX. XX/XX/XXXX : Experian responded, stating that the furnisher verified the information as accurate, but they failed to provide any supporting documentation despite my repeated requests. 
XXXX. Issues with the Ledger Provided by the XXXX XXXX : The ledger shows I made a payment of {$1200.00} on XX/XX/XXXX, which should have covered rent and utilities. 
I was double-charged for XXXX rent ( {$1100.00} ) and charged {$690.00} for XXXX. 
My {$510.00} security deposit was forfeited, but no breakdown or explanation was provided regarding how it was applied. 

Violations of the FCRA and Georgia Law : 1. Failure to Provide Supporting Documentation : Experian failed to comply with 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) of the FCRA, which requires them to provide supporting documentation upon completing an investigation. 
XXXX. Reporting of Inaccurate Information : Experian did not verify the accuracy of the charges and allowed the furnisher to report double charges and unexplained balances, violating 15 U.S.C. 1681e ( b ), which mandates reasonable procedures to ensure maximum possible accuracy. 
XXXX. Failure to Address XXXX XXXX XXXX : Georgia law requires landlords to apply security deposits toward damages or outstanding balances and provide an itemized breakdown. No such breakdown was provided for my {$510.00} deposit. 

Requested Actions : XXXX. Full Validation of Debt : Require the Law Office of XXXX XXXX XXXX, XXXX to provide complete validation of the debt, including original signed documents from the original creditor ( XXXX XXXX XXXX XXXX XXXX ) XXXX 
XXXX. Investigate XXXX XXXX : Investigate Experians failure to comply with the FCRA and their refusal to provide supporting documentation for the disputed charges. 
XXXX. Detailed Breakdown : Require the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to provide a detailed breakdown of how the alleged balance was calculated, including the application of my security deposit. 
XXXX. Correction of Inaccurate Information : Ensure the removal or correction of any inaccurate information on my credit report. 
XXXX. Enforce Penalties for Noncompliance : Impose penalties for Experian and the furnisher for their noncompliance with federal and state laws. 

Supporting Documents : I have attached the following for your review : Email sent to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
Dispute letter and supporting documentation submitted to Experian. 
Ledger from the leasing office showing discrepancies in charges. 

I am willing to pay any valid and verified balance, but I request fair treatment and compliance with consumer protection laws. Thank you for your attention to this matter. I look forward to your resolution.

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