Consumer complaint received 2021-06-26
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Unfair Practices and Malicious Treatment to through Experian and XXXX XXXX XXXX XXXX XXXX. 


On or about XX/XX/XXXX, a voice message was left on my voice mail for me to call XXXX XXXX XXXX XXXX XXXX. I returned the call and a lady advised me that I had a debt of {$250.00} and they were the litigation firm to collect the debt. I told her that I was unfamiliar with their name and she gave to company names I was not familiar with. 

I asked for a copy to look over the debt to be sent to my email and advised her I needed to look into the matter. I did not believe I had any debt or never heard of the names she shared with me that I supposedly had the debt. I thought this was a fraudulent attempt to collect money from me. I asked the lady to send the debt information to my email and I waited for the information to come which I never received from their offices. Additionally, I mentioned if it was my debt that I would take care of it. 

In XXXX, I paid off debt and my credit score increased into a good position XXXX XXXX XXXX. Importantly, for years, except one tax issue with my car payment, which I tried to dispute and correct, I maintained an exceptional history payment status for years. On XX/XX/XXXX, my credit score had just increased 10 more points when this ordeal took place and continues to affect my score as of XX/XX/XXXX, XXXXmy score dropped again by 1 point with no explanation. 

On XX/XX/XXXX, not even a week later from speaking to the woman and without receiving the email request to verify the debt, XXXX XXXX XXXX flagged my credit report as collections. On XX/XX/XXXX, I received a credit monitoring alert that displayed my credit scored decreased by 29 points. Immediately, I called XXXX XXXX  XXXX after being notified by Experian and XXXX XXXX. 

After speaking with XXXX at XXXX XXXX, shared they had the incorrect address and an old XXXX XXXX XXXX account. I was advised that this was supposedly from XXXX and settled per XXXX. XXXX advised me that she would call back and never did call me. In XX/XX/XXXX, I reached out to XXXX XXXX XXXX because I had an been paying them on a small loan and fell behind. I paid it off last year and it was closed last year XXXX, XXXX. So, I don't understand how XXXX XXXX XXXX XXXX XXXX. can say that this account was closed and it could not be closed. 

I look forward to a response to file regarding the unfair dispute, placing debt on my credit report and the large decreases on my credit report. 

As you can see by the attachments I provided which reveal my clearing up debt in XXXX and the debt decrease which occurred twice in XX/XX/XXXX by 49 points. This is illegal and unfair. I have unrest about this matter and can still pay off what is rightfully due if I receive and understand the alleged debt. I never denied any debt, just a request to see and recover what has been maliciously done to my credit and livelihood.

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