Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I tried to dispute 2 times and had to try again today. Each time I was told that they verified my name dob social security and address along with amount that is all and deemed suffice. This debt is NOT valid I requested documentation from XXXX XXXX XXXX through Experian Rent bureau during last dispute. I was told they did not furnish. But the dispute was denied. If a debt is mine you should have documentation ( hard copies ) and be able to send/ prove it. However since the debt is inaccurate they refused to share. 

On multiple occasions since discovering that certain information was listed on my Experian XXXX credit report, I have made repeated efforts to contact the creditor, the apartment complex, the management company, and the credit bureau. Each time, I have consistently requested the same information, which has not yet been provided. When reaching out to the apartment complex, I was repeatedly given XXXX XXXX misinformation XXXX XXXX  and told someone would follow up with me. However, I XXXX XXXX did not receive a return call XXXX XXXX and when I followed up, I discovered that XXXX XXXX the manager had changed again XXXX XXXX making it even more difficult to obtain consistent information. I then contacted the XXXX XXXX property management company XXXX XXXX but was told to call the complex directly, as they were the ones who could provide the information. I was also XXXX XXXX transferred to the XXXX Managers voicemail XXXX XXXX  but XXXX XXXX  never received a response * * from them either. I have also XXXX XXXX  placed XXXX disputes XXXX XXXX XXXX XXXX XXXX  Experian XXXX * * regarding this entry. The * * first dispute was returned quickly * * with a denial, stating that the * * creditor had verified the debt * *. When I followed up to ask how the verification was conducted, I was informed that * * the creditor is only required to confirm my name, address, date of birth, and the debt amount XXXX XXXX. I then requested a XXXX XXXX new dispute * *, but received the * * exact same response letter * * again, without any additional explanation or documentation. This raises serious concerns about the validity of the debt verification process and whether my dispute is being reviewed in good faith. Additionally, I have left multiple voicemail messages for both Account Manager XXXX XXXX XXXX XXXX XXXX XXXX and his supervisor, XXXX XXXX XXXX XXXX XXXX XXXX, but have not received a response. On XXXX occasion when I was able to reach XXXX XXXX, I was met with * * unprofessional and hostile behavior XXXX XXXX XXXX XXXX XXXX  berated me, yelled at me * *, and told me, * If you learn to listen and shut up, * before hanging up on me. I have also emailed a copy of below to XXXX XXXX, his XXXX and others in their company without reply. This occurred while I was simply trying to obtain my * * account number and basic information * * regarding the alleged debt. This kind of treatment is unacceptable and deeply concerning, particularly when I am making a good-faith effort to resolve and verify this matter. * * Why I Am Disputing the XXXX * * The charge being reported is, to my knowledge, * * incorrect and unjustified * *. During the XXXX years I lived at the apartment complex, there were * * multiple office staff changes * *, which made communication and policy enforcement inconsistent. At the time of my lease ending, I * * informed the office in person * * that I did not plan to renew. XXXX of the staff members asked me to * * email my notice * *, which I promptly did. Later, I was informed that my emailed notice was not acceptable because it was not on the complexs " official letterhead. '' I * * complied again * * and * * completed their official form * *. On the day I moved out, I * * left a set of keys on the counter * * because it was * * early in the morning before office hours * *. I was later contacted and asked to * * sign another form * *, which I also complied with. Despite following all the instructions and giving proper notice, I was later charged a * * month-to-month lease fee * * as though I had not provided notice. This charge is what I am disputing. The shifting expectations and changing staff policies * * should not override my documented efforts * * to properly notify the complex of my move-out and fulfill their evolving requirements. * * Requested Documentation for Debt Validation * * Please review the following list of documentation I am formally requesting again to validate and verify this debt : 1. * * Proof of Debt and Creditor Information * * * The * * name and address of the current creditor * *. * The * * account number * * and * * total amount claimed * *. * If originated with another creditor : their * * name * *, * * address * *, * * account number * *, and * * amount at transfer * *. * Details of when and from whom the current creditor acquired the debt. 2. * * Verification of Debt * * * A * * copy of the original lease agreement * * or any agreement showing my legal obligation. * Any supporting documentation confirming my responsibility for this debt. 3. * * Debt Amount and Account History * * * The * * last billing statement * * from the original creditor. * The * * amount at the time of debt acquisition * * and date. * An * * itemized list of fees, interest, and charges * *, with * * dates and explanations * *. * A record of * * payments or reductions * *, with * * dates and amounts * *. * Information on * * any adjustments * *, including * * calculations and legal basis * *. 4. * * Debt Timeline and Statute of Limitations * * * The * * due date * * and date the account became * * delinquent * *. * The * * date of the last payment * *. * Proof the debt is * * within the statute of limitations * *, including * * how it was calculated * *. 5. * * Debt Collectors Authority * * * Proof of a * * valid debt collection license * * in my state : * License number, name on license, issuing agency, and contact details. * Same details for your * * home state * * if you're located elsewhere. I am exercising my rights under the * * Fair Debt Collection Practices Act ( FDCPA ) * * and applicable state laws to formally request this documentation. Until this information is provided in full and the debt is properly verified, I respectfully request that * * no further collection or reporting activity * * be pursued.

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