Experian Credit Reporting Complaint

Experian Credit reporting department,

Incorrect information on credit report Reinserted previously deleted info Pennsylvania

I relocated to the - area for work and rented a small apartment for 6 months. The last month 's bill was not forwarded to my address which I had left with the rental agency. The debt of $59.00 was sold to - - - by - -/-/-, 3.5 years after I had moved out of the apartment. I was not aware of the any debt being owed to -. When contacted by -, I stated I was unaware of the debt, but researched it and determined I owed the amount. I agreed to pay - and was told that my credit bureau would not be impacted due to the circumstances. That payment happened on -/-/-. I have followed my credit bureau and my scores have been in the - since that payment was made. My last update was on -/-/- and my score was -. On -/-/- I applied for a mortgage and was told that my credit score had dropped to -. This was due to a collection account being reported by - - - . The same account that I had paid -/-/-. I had contacted the company and was told that the account had a -


bureau during the months in between. They offered to send me a letter confirming a - balance. I inquired as to why I was told by one of their agents that this would not impact my credit when I paid it and was informed that it was their policy to report accurate data to the credit bureaus within 45 days of a debt being assigned to them for collection. I asked for a supervisor and was denied. After a second call, I asked for the trade line be removed and explained my entire situation again. I asked for a billing dispute team and was informed that they would look into pulling the original call to determine what was communicated to me. I attempted to call back a third time to lodge a formal dispute, but was unable to get through to an agent. I was forwarded directly to a voicemail at - est. I made multiple attempts with the same result. I disputed the trade line with Experian, will file a dispute with - and attempt to contact - again. I do n't see how this company can place a trade line on my bureau 7 months after I paid as agreed in full and was told that it would n't impact my credit. I am looking for - to live up to the agreement we made -/-/- and remove this negative mark on my credit bureaus.