Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently gained knowledge that there was a negative write off regarding a previous lease on my rental history report. This information was shared after applying for a property with XXXX XXXX XXXX, XXXX. This company did not share the entire report, but only a snippet, which displayed " XXXX, XX/XX/XXXX - XX/XX/XXXX '', and a balance of " {$2200.00} ''. XXXX XXXX did share that they used the " XXXX XXXX Experian '' report and it is XXXX who screens. XXXX XXXX XXXX, XXXX reviews the report after it is provided by XXXX. 

I lived at the XXXX property, XXXX XXXXXXXX XXXX, from XX/XX/XXXX - XX/XX/XXXX. XX/XX/XXXX I moved out of the property under the impression that no debt was due, as well as the repair needed ( there was damage to the carpet ) would be covered under my rental insurance, which was a policy provided by the property. I never heard from the property again, although the property had my phone number, as well as a forwarding address. 

On XX/XX/XXXX, I received an email from XXXX XXXX stating a balance was due, and also stated I reach out to an individual by the name of " XXXX XXXX '' with questions and for additional assistance. I reached out via email and asked what this was in reference to, as I did not move out with a balance. XXXX claimed that there had been a balance due since my move out date, which included rent, utilities, and apartment damages. I responded to XXXX stating that I consistently carried rental insurance through the apartment property, as well as requesting a copy of a ledger that included proof that debt was owed. XXXX responded with an email stating " after the review '', he/she was able to see that I did have rental insurance. " XXXX '' stated that they " removed the charges from A BALANCE OF {$1400.00} making the balance now due {$640.00}. '' " XXXX '' also stated in the email they were " not able to provide the full ledger due to all the adjustments on the account and also as the collections system and the system you ledger had come from our not connected and no longer used once you have moved out, they will not accurately reflect the same balances due or full corrections on the original ledger ''. The email proceeds with additional information provided as to the charges being for rent for the days of XXXX, and XXXX XXXX XXXX  water charges. " XXXX '' was unable to account for why a hardcopy of the bill was never provided for me stating, " I can not speak as to why you did not receive the mailed move out statement at the time you moved out as I am not on sit at the property nor was I here at the time you had left. '' XXXX them proceeds to share that after they updated their system at the end of XXXX emails were sent to me. 

Again, when I moved out of this property there was not anything left outstanding on my account. I did not receive anything via mail regarding any outstanding debt from XXXX XXXXXXXX XXXX although I most certainly provided them with a forwarding address and also submitted a forwarding address to XXXX the lasted for many weeks after I moved. Additionally, if the apartment was repaired for the next tenant, as I assume it would have to have been, a claim should have been filed utilizing the rental policy I had in XXXX, and should have been documented quite some time ago. The inability to provide physical document accounting for the debt is also problematic for me, as there is no proof provided of the debt due. This property had consistent issues with managers, to include maintaining accurate record keeping of rent/payments ( a new payment system was implemented midway through my lease which posed a number of problems ), which is a major reason why I opted to leave the property.

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