Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The XXXX  at XXXX XXXX XXXX did an account error on my account in XX/XX/year>. XXXX and XXXX made an accounting mistake and stated I owned {$3800.00}. Which went into collections without my knowledge. I never owned that amount. And they told me that I was cleared however this apartment put me in collections for {$3800.00}. I repeatedly asked them to corrrect their mistake l told them and tried to make them understand that I never owe that amount. However, they put me in collections, knowing that that was a mistake. Once they put that on my credit report I had the third party XXXX XXXX XXXX XXXX conduct an investigation. They admitted to the error ( all parties admitted to their wrongdoing ) and then stated the original amount owned was {$120.00}. I didnt even get an apology. I disputed with the credit report agency that Id never owe {$3800.00}. The credit report agency refuses to make the correction on my credit report for the original balance. Its not about just paying and closing out the account however I do NOT want people to think that I would ever owe that amount of money. These credit report agencies are not being accurate and theyre breaking the law and its not ok. Its about the principal I never owned anyone {$3800.00}. I would like for that to be reflected on my credit report its going to be on there until XXXX so at least what they could do is make sure that its correct. The original amount was {$120.00}. There never was an original amount of anywhere near {$3800.00} and to make a mistake of over {$3500.00} and not change it off my credit report that has to be illegal and that causes me emotional XXXX. I also was not able to get an apartment because of {$120.00} and when I ask the apartment tenant screening, they can not really understand why the credit report is reporting I owe {$3800.00} and I would like for that to be reflected. It is apart of morals that I never owed anyone {$3800.00}. I would like for that to be changed off of my credit report even though the account has been closed. Yes I paid the {$120.00} however that is the original amount and for the credit report agency to say that the original amount was {$3800.00} that is illegal because its not accurate and it wasnt correct, and I provided every documentation possible. It makes it seem like Ive been paying off the original amount when that is not the case I have documentation, I sent them the receipts/auditing report. I sent them the accounting audit. I sent the credit report agency the correction documentation in email and the credit report agency refuses to make the correction. I would like for the credit Experian to make the correction. Fair Credit Reporting Act ( FCRA ) The FCRA ( 15 U.S.C. 1681 ) requires credit reporting agencies ( CRAs, like Experian, XXXX, XXXX  ) to : Report information accurately.

Investigate disputes when a consumer provides documentation that an entry is incorrect. 
Correct or delete inaccurate, incomplete, or unverifiable information. 

If they continue to report the {$3800.00} balance as the original amount owed, despite you providing proof and confirmation from the collection agency that it was wrong Fair Debt Collection Practices Act ( FDCPA ) The FDCPA ( 15 U.S.C. 1692 ) governs how debt collectors ( like XXXX XXXX XXXX XXXX ) must behave. 
They are prohibited from : Misrepresenting the amount owed. 
Continuing to report or attempt collection on an amount they know is false. 

If XXXX XXXX XXXX admitted the error but still furnished the wrong amount to the credit bureaus, that could violate the FDCPA Consequences of False Reporting Emotional XXXX  and denial of housing ( as you mentioned ) are recognized harms in FCRA/FDCPA lawsuits.

You may be entitled to actual damages, statutory damages, and possibly attorneys fees if you pursue legal action.

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