Consumer complaint received 2022-03-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX I lost my job due to COVID XXXX scared our customers and they canceled all our sub contractors contracts. Evicted from our home XX/XX/XXXX XXXX caused my spouse to relapse on XXXX and XXXX and eventually he abandoned me and our XXXX sons. I moved my sons and myself into my parents home. My youngest son has XXXX due to the extreme XXXX and XXXX abuse he witnessed me suffering while still living with his father on XXXX. My teeth were XXXX XXXX by my husband. I got a loan from XXXX XXXX to fix the XXXX broken XXXX by a dentist in Florida. Then we were evicted and moved to Texas to my parents home. The new dentist I used was given my XXXX XXXX  card number for the CT scan only in XX/XX/XXXX. XXXX XXXX and myself had a treatment plan agreement that stated my dental insurance would be charged for the XXXX XXXX because by XX/XX/XXXX I had met my 12 month waiting period for major dental. This meant I had XXXX major XXXX XXXX allowances XXXX XXXX XXXX to use for XXXX that would only cost {$370.00} meaning filing my insurance would pay XXXX XXXX {$370.00} each crown rather than the retail price of $ XXXX {$1800.00} that I would have had to pay had I not met my 12 month waiting period with XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX did not file the crowns with my insurance fraudulently charged my XXXX XXXX account unauthorized by me and the agreement I signed the entire remaining balance on my XXXX XXXX XXXX  The CT scan was {$240.00} and the meds from XXXX were {$39.00} I authorized only these two charges with services provided XXXX XXXX XXXX. XXXX the office manager called me at XXXX and had me pick up and gave me instructions to take oral sedation starting that night at bedtime and finishing the XXXX XXXX once I arrived at the office only notifying me of this script the night of XX/XX/XXXX the service date of my XXXX was XX/XX/XXXX. I should not have been XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but I did what they told me because I trusted they were honest and I signed the treatment financial obligation so I didnt assume they would use my signature and credit card fraudulently. I have tried to work it out with them since XX/XX/XXXX and it was just phone tag and they never would schedule me to receive my XXXX and kept promising they would reverse the charges XXXX and file with insurance and they kept filing incorrectly I would call XXXX and they would tell me the teeth numbers werent sent on the claims among other alleged mistakes XXXX XXXX billing department kept making. Meanwhile I had to pay the monthly so my moms credit wasnt effected because she co signed on the XXXX XXXX account so what happened to me happened too her credit as well! I had to pay cash to another dentist to finish the crowns over {$6000.00} with no job no husband no way out XXXX XXXX XXXX finally reversed and disputed the charges made XXXX XXXX XXXX and it was taken off my credit report and my moms. Now its back? Why? And says paid as scheduled? No its not and this was resolved in XX/XX/XXXX with XXXX XXXX after I sent all the documents and proof of the fraud. Please stop taking advantage of people all three bueros XXXX Experian and XXXX had to remove the debt from my report. Why is it back? Im having a hard enough time paying the XXXX XXXX XXXX credit account for wood flooring that was installed into the rent house we were evicted from because of XXXX closing our company loss of wages in a house were installed into!!!! I traded the floors for one month of rent and now I pay every month for floors I dont walk on and I dont dispute that account because I authorized the charge for the flooring. But the XXXX XXXX account is reporting and hurting my and my moms credit when it was revered and resolved as fraud by XXXX XXXX! Why are all these professionals allowed to steal and basically embezzle money from people to keep credit scores in tact? This needs to be deleted from my credit reports and my moms credit report as well!!

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