I would like to know the reason why Experian declined my request to remove an item that was inaccurately placed on my credit report. An apartment management company sent my final move out statement to a collection agency and the collection agency reported the account as delinquent to all the CRA 's before I was aware of any amount due. In essence the collection agency dinged my credit report before I received any notice of an amount due from the original creditor. Not to mention that the original creditor failed to properly apply all my credits and payments and thus reported inaccurate information to the collection agency. According to my accounting I had no money due to the apartment complex and I should be receiving a return of my deposit.I received, from the original creditor, a move out statement in the mail on XXXX XXXX, 2012, the envelope had a date stamp of XXXX XXXX, 2012. The Move Out Statement states that I have 15 days to respond or my account may be forwarded to a collection agency. I responded to the original creditor the day I received the move out statement. On XXXX XXXX, 2012 the collection agency had already reported my account as delinquent to the CRA 's, please note that the collection agency reported on XXXX XXXX, 2012 that they had properly notified me of a delinquent account and that they have, in good faith, verified the accuracy of a delinquent account. Yet the collection agency did not generate an " initial letter '' of a reported delinquent account to me until XXXX XXXX, 2012, and according to the date stamp on the envelope they did n't mail it until XXXX XXXX, 2012. It is blatantly clear that this whole scenario is a violation of my right to Fair Credit Reporting Practices. In my dispute to Experian I clearly stated that, if not in federal law, in California state law, where I reside, there are credit reporting accuracy laws that have been violated. This item should have never been reported to the CRA 's. I can not fathom why such a clear violation of my rights has been shoved aside. I would like Experian to give my a legal explanation of why this item will continue on my credit report.