Consumer complaint received 2021-03-15
Company: Experian Information Solutions Inc.
State: NV
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: Was not notified of investigation status or results

Complaint:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, State, Zip Code : XXXX NV XXXX Telephone No. : ( XXXX ) XXXX XXXX  XXXX  MAIL/RETURN RECEIPT REQUESTED Date : XXXX To : XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Dear XXXX XXXX  AND ABOVE- ( ALL ABOVE-NAMED PERSONS -XXXX  EMPLOYEES ) ARE BEING SERVED FOR SMALL CLAIMS COURT AND CIVIL COURT : XX/XX/2021 ( See Attached Documents ) This letter is a demand for payment in the amount of $ XXXX.and fix my credit from all 3 agencies. 
I believe I am owed this amount because of the following facts and circumstances : After reviewing my credit report, I am writing to dispute the following inaccurate information, all of which result from FRAUD CHARGES ON MY XXXX CREDIT CARD XXXX and is not information relating to any transaction I made. Please investigate each account listed below as the charges are fraudulent and were made without my consent. 
I was bullied by all your staff at XXXX XXXX  to pay the fraud charges of {$1800.00} DUE TO YOU RUINED MY CREDIT. I am a XXXX XXXX XXXX  XXXX  veteran living on XXXX pension. Why would I ruin 40 years of XXXX credit score? After contacting the local police agencies and the FBI they both stated I should of not paid the fraud charges until it was fully investigated by XXXX fraud department and a letter was sent to me clearly denying my claim. I have consumer rights by law to file an Affidavit of complaint. I also contacted a local law firms here in XXXX XXXX that are experts in this matter and they clearly stated to me I should have never paid the fraud amount until a professional investigation by XXXX was done. I was told that this is the first step I must do to fix this matter. 
I have asked over and over to do a complete investigation and check the atm cameras and I can prove I was not in the same state that the fraud occurred. ( No investigation was ever done by XXXX Fraud Department ) I was never allowed to speak to someone in the fraud department. 
I was never notified in writing that XXXX XXXX XXXX denied my fraud charge claim and I was responsible for all the charges on my account. 
I would like to see prove that I received those notices in writing. 

This whole matter has brought me to an incredibly sad mental state and have had counseling over losing my house due to now I cant refinance my house with bad credit. 

( Police reports Filed ) XXXX XXXX XXXX Police XXXX / FBI IC3 Ic3 XXXX The XXXX XXXX XXXX police have started the investigation and taken my affidavit of prove that I was not in the states or locations of the fraud on my credit card. The FBI IC3 unit has also started their investigation and received my affidavit of prove. 

I have currently filed in smalls claims court and with my Attorney next will be civil court after all the investigations are completed. I am so upset regarding this matter against me I am going to have an interview with XXXX XXXX XXXX XXXX XXXX In XXXX XXXX on XX/XX/XXXX with their consumer fraud investigation team. After my Attorney reviewed my evidence of my case and my deposition, He agreed to take my case free of charge. 



ACCOUNT NAME - ACCOUNT # XXXX Please investigate this account, as the charges are fraudulent, and were made without my consent. 
are hereby informed that you have ten ( 10 ) days from the date of this letter to pay the demanded amount or to make a satisfactory arrangement with me to fully resolve this matter. If you are interested in mediating this matter with me, please contact the XXXX  XXXX  XXXX at ( XXXX ) 4XXXX. Mediation is an opportunity for us to craft an agreement with a neutral third party that might keep us out of court. It is confidential, expedited, and free, and you can negotiate agreement details without a judgment being placed on your financial record. My contact information is listed above. In the event this matter is not resolved to my satisfaction, or if I do not receive or accept an invitation to mediate, then I intend to file an action in Small Claims Court and civil court where I will also request that you pay the costs of suit associated with having the matter heard by the court. Please guide yourself accordingly. 

Sincerely, Signed : ______________________________ XXXX XXXX XX/XX/2021 XXXX I am asking for 1 simple thing fix my credit and return my {$1800.00}.

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 explanation