Consumer complaint received 2024-04-15 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: AZ

Complaint narrative:
Last year in XXXX I began a process here regarding Experian and their handling of a dispute about a collection with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As I posted the issue here on this platform it created some movement in the situation, but despite this Experian continues to inaccurately report it on my credit report, despite several disputes and information provided. 

This has led to ongoing distress on my end as this is a blight on my credit report preventing me from accessing loans to assist my business growth. 

XXXX withdrew the account from collections and stuck into my current account with them, that was in XX/XX/2023 due to my complaint on here. I was happy for that and to set up a payment plan to resolve the matter. The whole story should never have happened. The landlord at that property was supposed to pay the bill from my deposit monies as he wanted all the services uninterrupted. He did not do either pay any of the bills or return my deposit. This was for the period of the XXXX lockdowns and I was not qualifying for the assistance programs XXXX had at the time. 

So since XXXX last year, despite my disputes both Experian and XXXX have erroneously reported and rereported over and over month after month, despite my showing Experian evidence from XXXX that they removed it from collection in XX/XX/2023. 

I believe they are both in clear violation of the Fair Credit Reporting Act. 

I believe that XXXX maybe heard from XXXX that I had filed this complaint in XX/XX/2023 which instigated their move as they knew it might be removed as there was something wrong about the whole thing. I think this should be investigated. How is it that right after I posted the complaint, XXXX made a move to withdraw the account from collections and put it onto my active account. As an active debt that was between me and them and not a collection. It is quite curious. 

Meanwhile I have suffered. I am simply trying to live my life, I have paid all my bills, this thing got out of hand beyond my control as there were other parties involved that were not being honest, not being helpful. Clear negligence and lack of care to report correctly. And clearly in violation of the Fair Credit Reporting Act. 

I want the item struck from my report as it was always wrong, and clearly has been wrong since XX/XX/2023, and most recently clearly amended as I have fully paid XXXX  and I am up to date with XXXX on my existing account. See attached letter from XXXX. They ought to have added to that letter the date it was taken off collections. I will follow up with that if I need to. 

I believe that under these circumstances that I should be entitled to a remedy, that they both should be fined. 

I pay a monthly subscription to Experian for them to look after my account and allow me services. They say they offer the service of disputing accounts, but they are just paying lip service to that and not actually doing the adequate research to see if there are errors that mean they should change their reporting. Negligent in their agreements to me as a customer and as a body that is subject to the law. 

As I understand it this might be a sum up to {$150000.00} under the Fair Credit Reporting Act per violation.

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 non-monetary relief