Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: CA
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:
Experian refuse to remove a charge off off my credit report. This charger is affecting in my XXXX XXXX, and I am currently a young woman trying to purchase a home and repair her her livelihood. I went through a hardship I was XXXX. I became ill with XXXX and I was unable to pay the debt Towards a XXXX, XXXX close the debt as a charge off and XXXX  are continuously displaying it on my credit report Ive been though I am ask for fair removal fees and they also are displaying the incorrect amount and I originally agreed to pay and they continue to say I was late after they had charged off my account. 
XXXX XXXX XXXX XXXX Potentially Negative Account Info Account Name Account Number Account Type Responsibility Date Opened Status Status Updated Balance Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms On Record Until Payment History XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Account charged off. {$690.00} written off. {$2200.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$2200.00} XX/XX/XXXX - - {$2100.00} - XXXX  Months XX/XX/XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Annual Credit Report - Experian Here is the Original Invoice : As it Displays the Correct Amount from the Creditors. XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX Invoice # Invoice Date Balance Due XXXX XXXX {$0.00} Line Total {$890.00} {$29.00} {$920.00} Item Repair Cable Disclaimer Description XXXX '' XXXX XXXX XXXX XXXX XXXX XXXX Unit Cost {$890.00} {$14.00} Quantity XXXX XXXX DC Computers Return Policy- Used computers, phones, tablets and monitors may be returned within XXXX calendar days from date of purchase. New computers, monitors, ipads, tablets, phones, ipods, XXXX players, hard drives, keyboards, mice, cases, covers, accessories, or miscellaneous items are not returnable. Items must be returned to XXXX XXXXXXXX within XXXX calendar days of purchase. All products must be returned in the same condition they were purchased and all chargers and accessories must be included. DC XXXX will assess a 15 % restocking fee on all returns within the XXXX day period. No returns will be accepted out of the XXXX period. No other products can be returned. This includes, but is not limited to : hard drives, adapters, RAM, optical drives, cables, chargers, cases, mice, keyboards and any miscellaneous parts not listed. Purchases made with credit card will be refunded to the same card used for purchase. Under no circumstance will a refund or return be granted without the original receipt. Customer MUST bring their receipt in for a refund or return on any kind. All items presented for refund or return must be presented with original receipt at time refund is granted. No exceptions. Customers paying in cash will be mailed a check within XXXX days of return. XXXX month warranty on all repairs including parts and labor. 
Repairs/Data Transfers/Service : All hardware repairs carry a XXXX month parts/labor warranty. XXXX XXXX will replace/repair any defective parts within XXXX months of service performed. There are no refunds or warranties on rush fees, data transfers or software related services. 
Exchanges : Exchanges for computers will be accepted within XXXX calendar days from date of purchase. Exchanges are only valid for computers. No other products can be exchanged. 
Warranty : XXXXC XXXX warranties all computer sales for XXXX  days from original date of purchase against any manufacturing defects. Warranty does not cover accidental damage, cosmetic damage, LCD imperfections, software issues, and anything deemed reasonable for a used computer, phone, tablet, or monitor. 
Trade-ins : When a computer is traded in it becomes property of XXXX XXXXXXXX XXXX XXXX XXXXXXXX has no responsibility to save any data that is on the computer when traded in. All data will be erased. ALL TRADE-INS ARE XXXX. NO EXCEPTIONS WILL BE MADE. 
Signed : Date : Subtotal Tax Invoice Total Payments - {$930.00} Credits Balance Due {$0.00} {$0.00} {$2.00} {$930.00} Next Receipts Displays Actual Cost : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX SALE Invoice Number : XXXX Payment Date : Thu XXXX XXXX AM Customer XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Qty Repair XXXX Cable XXXX Price {$890.00} {$14.00} Invoice Subtotal : {$920.00} Invoice Tax : {$2.00} Invoice Total : {$930.00} Payment Method : XXXX Payment Amount : {$930.00} XXXX agree to pay the above total amount according to the card issuer agreement ( Merchant Agreement if XXXX XXXX ), and agree that the above work was completed. 
X________________________ Cardholder Signature APPROVED - THANK YOU Here the lease is showing As Closed XXXX XXXX XXXX XXXX XXXX ( Closed ) This lease is closed. For more information please call XXXX Lease Details Name : XXXX XXXX Merchant : XXXX XXXX  Property Description : XXXX XXXX XXXX I also want to XXXX XXXX XXXX XXXX XXXX accounts with them closed and charged off yet remains on my credit report and requesting these be removed due to fact that the company owns the debt. And have charged it yet report to my credit report as late. They are ruining my credit as a young woman who had a few harships related to XXXX. I also disputed this with credit bureau they have not got back with my request., XXXX XXXX XXXX XXXX dispute Account Info Account Name Account Number Account Type Responsibility Date Opened Status Status Updated Balance Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms On Record Until Payment History XXXX XXXX XXXX XXXXXXXX Deposit Individual XX/XX/XXXX Account charged off. {$380.00} written off. {$380.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$380.00} XX/XX/XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX CA XXXX Was named another Name I believe XXXX XXXX XXXX XXXX Located at the Same Address. They change their name without warning my changed off my debt in their previous name. And Continue to Report this XXXX off as late under a name that I do not have a contract with. I have never signed any documents with XXXX XXXX XXXX XXXX and I did not open my account with XXXX XXXX, I was never aware they were changing their name., and they were previous attempts to pay the debt before a control and their staff members refused to call me back I went through a hardship and became unable to pay the debt due to XXXX due to the XXXX, and also becoming sick with XXXX that I was unable to pay the debt and they wrote it off.

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