Currently, I have what is listed as a delinquency of 3 months on a bill of {$27.00}. I do n't recognize the company, nor do I recall incurring any bill. My credit score at the time this delinquency showed up as a collection was XXXX. In a week, it has dropped down to XXXX. I finally got a reference number for the supposed collection agency. I contacted them, and even though it was not my {$27.00} bill- I paid it. I pay off my credit cards all the time- I do n't forget bills. Meanwhile, when I deal with Experian ( I have credit monitoring through them ) - they say there is nothing they can do. I will have to wait XXXX45 days to get this removed from my report. But, my score continues to be recalculated lower, week by week, even though I have done nothing wrong. At the same time, I just received a job offer, who, of course, requires a credit check. This will appear on my credit report as a delinquency. But, Experian wo n't remove it, and the company I dealt with to get this removed may or may not contact the credit bureaus- I do n't know. Supposedly, they were going to do so, but have n't done so. So, I have derogatory information on my report- Experian says it is not their problem, and can only send a letter to have someone respond. If they get no response, then they will remove it. What kind of policy is that? If they hear nothing- they will take it off. But, meanwhile, I feel the impacts of something that I did n't even do! It 's so frustrating. This issue does not show up XXXX, but I am frustrated beyond belief with Experian. And, Experian also will not show or erase any of the history of my credit score constantly going lower over the next several weeks until this is resolved. So, I look like I have bad credit when I do n't. I look delinquent when I am not, and I can not seem to get an answer or find anyone who will help me.