Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting and failure to conduct a reasonable investigation under the Fair Credit Reporting Act ( FCRA ). A collection account from XXXX XXXX XXXX, originating from XXXX XXXX XXXX is being reported with materially inconsistent balances and unresolved disputes regarding liability. Despite multiple disputes and submission of documentation, Experian has repeatedly verified the account without addressing these discrepancies. What Happened This account originates from disputed move-out charges assessed by XXXX XXXX XXXX XXXX The account has been reported in multiple conflicting amounts, including approximately {$850.00} and {$470.00}, based on different versions of the same charges. These changes occurred after I disputed the charges, and no explanation or reconciliation has ever been provided. I also submitted proof that I tendered payment of {$75.00} for the only undisputed charge ( bedroom blinds replacement ). This payment was refused and returned, yet the same charge remains included in the balance reported to the credit bureaus. Additionally, a significant portion of the charges relates to damage allegedly caused by an unauthorized pet belonging to another occupant. There was no pet agreement or authorization, and liability for these damages has been disputed. No documentation has been provided demonstrating causation or proper assignment of responsibility. Despite submitting documentation showing : Conflicting account balances Refused payment of an undisputed charge Disputed liability for third-party damage Experian has XXXX verified the account without addressing these issues. Why This Is Incorrect This account is inaccurate and unverifiable for the following reasons : XXXX. Inconsistent Balances The same account has been reported with different totals ( {$850.00} vs {$470.00} ), which have not been reconciled. A debt that can not be stated consistently can not be verified as accurate. XXXX. Inclusion of Refused Payment A {$75.00} payment for an undisputed charge was returned but is still included in the reported balance. XXXX. Unsubstantiated Liability Charges include damages attributed to an unauthorized third party without proof of responsibility or proper allocation. XXXX. Failure to Provide Supporting Documentation No sufficient documentation has been provided showing : Cause of damages Responsibility for damages Depreciation of replaced items Failure to Conduct Reasonable Investigation Experian has repeatedly verified this account despite the documented inconsistencies. There is no indication that Experian : Reviewed or reconciled conflicting account balances Evaluated documentation submitted Conducted any independent investigation Based on the repeated identical outcomes, it appears the investigation relied solely on automated verification through the furnisher ( XXXX XXXX ), rather than a reasonable investigation as required under the FCRA. XXXX continues to furnish this account despite the inconsistencies and lack of verification, and XXXX XXXX XXXX has failed to provide a consistent or substantiated accounting of the charges. Harm Caused Negative impact on my credit report across all three credit bureaus Inability to rely on accurate credit reporting Time and effort spent disputing inaccurate information

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