Consumer complaint received 2020-10-14
Company: Experian Information Solutions Inc.
State: MS
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:
XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX ( After XXXX with XXXX, I was not in any contract meaning it can be closed at any time, the account was closed by myself back in early 2016, and I have NOT had an account with them since. Upon reading my below letter, you will see how I should NOT have been responsible for the {$98.00} they are saying I owed. ) XXXX LETTER TO XXXX over four years ago. ) To Whom It May Concern : ( I am writing you in regards to an outstanding balance that needs to be addressed with the highest level of management. Multiple times I have called and spent hours on hold, trying to resolve this. This letter is to be put with my file, as it appears all my conversations with representatives are not being understood, or documented accordingly. ) ( I am very displeased with the way I have been treated, the amount of mental anguish, and endless harassment XXXX has caused me. This should be able to be looked up easily due to extensive conversations that I have had with multiple XXXX supervisors already, and was told it was being documented. ) Facts : ( I was not in contact or in any agreement with XXXX. I could cancel at any time. I was a holder of a grandfather unlimited account in good standing for many years. ) XXXX XXXX was getting to outrageous with extra fees to keep the XXXX account, and I was calling to cancel the account for good on my billing cycle end date. XXXX lines for {$250.00} a month was insane. After almost an hour of waiting on hold, being transferred from XXXX person to another. The person I finally got on the phone with just wouldnt listen to my concerns, and was just trying so hard to keep me with XXXX. After going round and round of not listening to me wanting to close my account. The account representative persuaded me to keep one if the three lines at a different data rate and see how if it would be enough for me. That If I still wanted to close the account, to just call back anytime. I gave in, this was due to the fact that I didnt feel like having to deal with it all over again if I just called back. This open a door for endless harassing calls to my phone with new promotions. I finally said enough is enough, called a little over a week later around the XXXX and closed the account. The phone was turned off and was not used again with XXXX. ) ( I got my last bill in the mail that didnt match what it should have been, so I called in. I was informed that I was billed for the whole month. They said that even though the account was closed eight days into the cycle, I would still have to pay for the rest of the month, because they bill a month in advance. ) Mind you : I WAS NOT IN ANY CONTRACT WITH OUTSTANDING OBLIGATION! 

( I was in high level of frustration ; I agreed to stay with XXXX for a little longer. Not once was I told about being billed a month in advanced. At that time I spoke with a top manager, and asked to please DOCUMENT everything I was about to explain, she agreed. I went over the whole situation, and she understood and felt my frustration. We spoke about the amount on my last bill, and how that was the balance due for that month. She confirmed the account being closed a little over a week past my cycle. I asked the manager to hypothetically pro rate the amount for the time the phone was actually still activated for that month and give me an amount that would be owed. ) SHE GAVE ME THAT AMOUNT, AND THAT IS WHAT I PAID. 

In closing, ( I would understand if I was still in contract and closed my account before my contact was up, leaving and outstanding commitment, but I was NEVER in anything of the sort. ) ( I should have been properly informed UPFRONT by the account representative that harassed/ persuaded me to try out the new plan. ) ( When I called on the end of my cycle to close the whole account, I should have been left alone and not harassed/ persuaded to stay with the false idea of being able to call at anytime. Knowing I was probably going to call within the week after my cycle. Saying anything to get me past that day to be able to bill that whole month ) ( I guarantee if I was informed properly about the month, I would of NEVER stayed. ) VERY MISLEADING AND DISHONEST. 

XXXX XXXX should look at my several loyal years in good standings. Note the amount of the mental anguish, endless harassment, misleading misrepresentation this has caused me. See that I paid for the time I actually used the phone that month. Stand by the claims of how XXXX is all about customer care, and please correct this. ) MY RESPONSE AFTER FINDING THIS FOUR YEARS LATER ON MY CREDIT. 

( I am writing this to add in addition to EXPERIAN and my appeal to the multiple denials of retracting my XXXX off my credit report. ) ( After XXXX with XXXX. I was not in any contract meaning it can be closed at any time, the account was closed by myself back in early 2016, and I have NOT had an account with them since. Upon reading my letter, you will see how I should NOT have been responsible for the {$98.00} they are saying I owed. ) I take my credit VERY SERIOUSLY : XXXX My credit history since my first reporting over XXXX ago has ALAWYS been exceptional in outstanding status without ANY late or outstanding balances not paid on. This BOGUS amount of {$98.00} is part of a scam. Why would this be the ONLY thing I would of NOT paid in my LIFETIME? It has a reason, and that was b.c i was mislead to do something I did not agree on. I fully explained that within my letter. ) ( I am NOT understanding why this BOGUS scam is still on my credit. Im not understanding how something that was done FOUR YEARS ago is NOW just being reported to my credit. I was never contacted after my letter that I sent certified to XXXX, and was told by XXXX for all my troubles and after review would be taken care of. ) ( I want more than a response of they were in the guidelines, and would like to hear the side they are providing you. ) ( Of course if you contacted the company that submitted the report four years later doesn't have it. This is due to them NOT being XXXX and a company that bought the debt. I never signed ANY contract with them or even with XXXX for that matter. I was never in breach of not fulfilling any agreements. ) ( They tricked me dishonestly when i called to close my account, in staying so they could bill me the whole month. This is all outlined in the letter. SO PLEASE READ IT. )

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