Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Update XX/XX/XXXX These are the documents I have available and have submitted below previously and as you can see I did not ever receive the entire product and the full product is still reflecting on my credit account of {$3400.00}. I only received the XXXX XXXX XXXX XXXX and that is all I should be charged for. I made 1 payment of {$300.00} but asked to halt payments when I hadnt received my furniture all together. Everything but the XXXX XXXX XXXX XXXX needs to be removed from the accounting View attached pictures. The previous company was XXXX XXXX and became XXXX XXXX somehow, I believe they took over and this was for XXXX XXXX. It was definitely not a Rental, nor a Lease. This is considered an Installment Loan and should be described as such on my credit report. I was not renting or leasing the item, Rental/Lease means you plan on giving the item back after usage. If that is the case, I will be more than happy to return the half unused product so this can be removed from my credit. Otherwise, this needs to be changed as an Installment Loan as I was making payments to Own the Product. I was purchasing the items and now I am unable to be approved for an apartment due to the Rental/Lease description on the account type. I dont even live in XXXX XXXX XXXX anymore. I only use an address for mail, I travel for work and live in Corporate Housing throughout the US. Even with tax the amount shown on my credit is higher. The amount in the documented proof plus tax is {$2800.00} that is {$600.00} more than listed in the documentation and again, did not receive all products. I have submitted these to the credit reporting agency Experian as well as tried to reach the company and never get through Change to : Installment Loan Amount needing to be adjusted below explained : XXXX XXXX XXXX XXXX/Partial Delivery + Tax : {$1100.00} Additional Update XX/XX/XXXX The information is still incorrect, I tried reaching the company directly on XX/XX/XXXX to try to rectify with the creditor and left a voicemail. No one has since returned my call. This Agreement was never a Lease or Rental this was an Installment Loan. The information needs to be updated not only to an Installment Loan, the amount as well is incorrect as I never received the entire product. The only item I received was the XXXX XXXX XXXX which was still never used and I wanted to return since I never received the entire product and this XXXX XXXX XXXX is now in storage Update XX/XX/XXXX These are the documents I have available and as you can see I did not ever receive the entire product and the full product is still reflecting on my credit account of {$3400.00}. I only received the XXXX XXXX XXXX XXXX and that is all I should be charged for. I made 1 payment of {$300.00} but asked to halt payments when I hadnt received my furniture all together. Everything but the XXXX XXXX XXXX XXXX needs to be removed from the accounting View attached pictures. The previous company was XXXX XXXX and became XXXX XXXXXXXX  somehow, I believe they took over and this was for XXXX XXXX. It was definitely not a Rental, I was purchasing the items and now I am unable to be approved for an apartment due to the Rental description on the account type. I dont even live in XXXX XXXX XXXX  anymore. I only use an address for mail, I travel for work and live in Corporate Housing throughout the US. 

Company Name : XXXX XXXX XXXX XXXX XXXX  Dates : XX/XX/XXXX was the date of agreement ( I have all the documents if I am able to send ) Amounts : {$3400.00}

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 non-monetary relief