Consumer complaint received 2019-08-03
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/XXXX I hire XXXX XXXX, XXXX County, Florida to install a new metal roof on my house. It was agreed that XXXX XXXX would not charge {$8100.00} to my XXXX XXXX XXXX/Visa credit card until the roofing project and metal material was delivered to the job site, which was on or no later than XX/XX/XXXX. I was told by XXXX XXXX employee/technician, XXXX XXXX, that they had four roofing crews and could start on XX/XX/XXXX and my credit card would not be charged until the metal roofing and dumpster were delivered on or no later than the second week of XXXX. The above indicated date had passed and the metal roofing, dumpster never arrived at the job site and no roofing crew. I contacted XXXX XXXX immediately and ascertain that XXXX XXXX had only one roofing crew and never did order the metal roofing material nor dumpster. I received my XX/XX/XXXX monthly XXXX  XXXX XXXX statement and it indicated I had a charge of {$8100.00} on my bank statement. 
The above indicated charge was an unauthorized charge because the agreement was never kept, which was the following, no metal roofing material was ever order nor delivered, no dumpster and no roofing crew. 
I did fill a dispute complaint with XXXX XXXX XXXX and after supplying the XXXX  XXXX XXXX with all requested document. I did receive on or about early XX/XX/XXXX from XXXX  XXXX XXXX, Dated XXXX XXXX, Case number XXXX, which indicated I was issued credit ( s ) to my account for the dispute and the dispute was considered resolved. 
I received my XXXX  XXXX XXXX statement, dated XX/XX/XXXX thru XXXX XXXX, which indicated a credit of {$8100.00} to my account. 
I again received a XXXX XXXX XXXX statement, dated XX/XX/XXXX thru XXXX XXXX, which indicated two charges from two different purchases with a total amount of {$16.00} and a credit of {$33.00}. 
On XX/XX/XXXX at approximately XXXX hours, I did contact XXXX XXXX XXXX via my cell phone and did ascertain from the above indicated bank that a charge of {$8100.00} was placed onto my account on XXXX XXXX..The funds was submitted/placed into the following persons company account, XX/XX/XXXX, owner 's name, XXXX XXXX of XXXX XXXX, Florida , State ID XXXX. 
I have no idea who this person is and how they got my credit card number/info. 
On XXXX XXXX, I did fill a complaint of FRAUD with the XXXX County Sheriff 's Office,  located in XXXX County, Florida. XXXX XXXX XXXX. 
I did supply the above indicated sheriff 's office with all documents pertaining to the above incident. The above indicated sheriff 's office did conduct a full investigation and was advise by XXXX County Sheriff 's Office investigator, XXXX XXXX, that on XX/XX/XXXX, a XXXX XXXX XXXX, was arrested on two counts of Grand theift, charge code 812-014 ( 2 ) ( c ) ( 1 ) .. 
I did ascertain that my credit score went from a total score of XXXX to a mid 600, with an alert notice indicated as well as a delinquency in the amount of {$8700.00}. I have been unable to resolve the above issues of negative credit score nor the issues with XXXX  XXXX XXXX. 
I have attempted to resolve my issues with XXXX XXXX XXXX numerous times since late XX/XX/XXXX, which was meet with negative results. 
I am currently being represented by an attorney and a class action suit is being filled against XXXX XXXX XXXX.

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