Consumer complaint received 2024-06-16 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: CA

Complaint narrative:
I disputed a collections account with Experian, upon checking the results of the dispute, Experian came with conclusion that the account is verified and it belongs to me. As I checked the dispute results I seen no steps they took in order to come to this conclusion. I contacted them and asked if they can send me the investigation results and what steps they did to do an investigation and have not recieved a response. As I disputed this account, I attached evidence and documentation to show this account has discrepancies, incorrect information, incorrect amounts stated that i owed and Experian still determined this account was verified as mines. Ive come to the conclusion Experian did not do an investigation into this dispute because if they had, they would have deleted this account. this collections account is reporting incorrect information and it is damaging my character when my consumers report is pulled. The third party company who is attempting to collect on this account is XXXX XXXX XXXX XXXX. The first thing I made aware to Experian is that this account was written off, once an account is written off a collection agency does not have the right to attempt to continue to collect on a debt since it then becomes tax fraud. Next, I informed Experian that they are reporting they are attempting to collect a debt for the original creditor, the original creditor named on this account is XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX is not the name of the original creditor, XXXX XXXX XXXX XXXX  is the name of the apartment complex. I have attached images to show XXXX XXXX XXXX XXXX is the name of the apartment complex. The name of an apartment complex can not be original creditors, the original creditors name needs to be the name of the owners attempted to collect this debt on me. The original creditors name on this account is XXXX residential I have attached an image of XXXX Experian is reporting as the original creditor on this account. I have attached another image of the tanager springs apartments sign to show it is the name of the apartment not the original creditors. The original creditors on this account is XXXX XXXX.I attached another image which ( XXXX XXXX XXXX XXXX ) provided as proof this is a valid debt and highlighted more proof that XXXX XXXX is listed as the residential community. In that same proof the owner listed on the lease XXXX provided, states tanager springs XXXX is the owner. XXXX is reporting to Experian that the original creditors name on this account is XXXX XXXX XXXX XXXX. I explained to Experian that XXXX has never provided me with any documentation that shows me and XXXX XXXX XXXX XXXX In a lease or contract. XXXX Is intentionally naming this account XXXX XXXX XXXX XXXX to avoid naming the original creditor which is triumph residential because I HAVE NEVER BEEN in a lease or contract with them that obligates me to this debt. They are naming this account XXXX XXXX XXXX XXXX because I signed a lease with a company named XXXX management in 2017. XXXX management has no affiliation with triumph residential, the original creditors who hired XXXX to collect this debt on me. XXXX XXXX does not have any affiliation with XXXX XXXXA lease I contracted with a company who did not hire XXXX collections agency can't not be used as proof that obligates me to this debt. What XXXX is doing is against the law and Experian is helping them break the law by not doing a thorough enough investigations when consumers are disputing the inaccurate accounts! In the lease XXXX is providing as evidence this account is valid, the security deposit number on the lease doesn't match up with the amount they used on the move out statement charges. The rent doesn't match the rental fee on the security deposit as it does on the move out statement. The move out statement charges XXXX provided as proof, did not have anyone 's name on it but mines, anyone could have made the charges. I have attached that image to this complaint as well. The move out statement provided to me doesn't have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  or XXXX XXXX anywhere on the document, nor does it have any signature from either party ( I or the original creditors ) stating XXXX obligated to the debt. Experian dispute investigation team ignored this evidence when submitted to them. Based on everything Ive stated about this account, there is no way this account should be able to be reported on my account. There are so many inaccuracies being reporting through this account it can't and should not be reported. CFPB states all account should be treated with accuracy and integrity! XXXX CFR XXXX ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : XXXX ) Reflects the terms of and liability for the account or other relationship ; ( XXXX ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( XXXX ) Identifies the appropriate consumer. XXXX CFR XXXX ( d ) also states XXXX means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( XXXX ) Is substantiated by the furnisher 's records at the time it is furnished ; ( XXXX ) Is furnished in a form and manner that is designed to minimize the likelihood that the information XXXX be incorrectly reflected in a consumer report ; and ( XXXX ) Includes the information in the furnisher 's possession about the account or other relationship that the XXXX has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. Experian ignored information that is costing me my livelihood. People are thinking I am not a good tenant based of this false account. I am a single mother who is not struggling to find a place to live because this account is being reporting and reported inaccurately. I dont owe any money on this account and equifax XXXX look into this account and remove it from my consumers report.

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