Consumer complaint received 2019-10-22
Company: Experian Information Solutions Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX 1 ) XX/XX/XXXX XXXX XXXX offered a promotion 12 months, no interest, same as cash on purchase of matching washer dryer set, during my XXXX XXXX condition, which I agreed to. No monthly payment was established nor amount detailed in transaction. I agreed to what I was told. 

2 ) XX/XX/XXXX same day delivery, confirmed bait and switch, washer not compatible with dryer, not same make or model. Same day returned dryer. 

3 ) XX/XX/XXXX XXXX XXXX failed to report the {$400.00} adjustment to XXXX Promotion processing. 

4 ) XX/XX/XXXX I found XXXX who agreed to supply the correct dryer, but could not deliver the correct dryer until XX/XX/XXXX. 

5 ) XX/XX/XXXX XXXX agreed to adjust the cost of the dryer cord to XXXX actual cost was {$19.00} plus tax in email before delivery of my dryer. 

6 ) XX/XX/XXXX XXXX failed to report the the dryer cord purchase adjustment to XXXX. 

7 ) XX/XX/XXXX XXXX failed to make these 2 adjustments for 10 months in spite of my repeated requests emailed, fax and telephone requests to do so, supplying XXXX these records XX/XX/XXXX-XX/XX/XXXX. 

8 ) XX/XX/XXXX I notified XXXX, under duress, stalking, personal injuries to myself and XXXX XXXX, under protection order, I vacated to an unknown address for safety and placed my property into storage until further notice. My mailing address no longer was mine. To communicate by email only. 

I would pay my promotion balance as agreed within 12 months, having already paid {$420.00} by this date of the [ $ XXXX {$19.00} = {$390.00} + tax = {$420.00} for the washer and power cords ] ( {$440.00} the XXXX XXXX reported ) and would pay the remaining balance of [ {$370.00} + tax = {$400.00} for the dryer including the dryer power cord credit adjustment ] which XXXX agreed to issue the dryer cord adjustment for, before the promotional dates ( XX/XX/XXXX for the washer and XX/XX/XXXX for the dryer ) ended. 

I should NOT HAVE BEEN REQUIRED TO PAY MORE THAN {$420.00} for the washer and {$400.00} for the dryer = no more than {$830.00} TOTAL. I paid {$830.00} no later than XX/XX/XXXX BEFORE THE PROMOTIONAL PERIODS ENDED XX/XX/XXXX and XX/XX/XXXX! 

9 ) ********* XX/XX/XXXX, XXXX agreed to reverse all ERRED interest charges applied to my account. 

ARGUMENT FOR REMOVING DEROGATORY LATE PAYMENTS FROM MY CONSUMER CREDIT REPORTS. 
10 ) When the XXXX XXXX breached the original contract by delivering an inferior dryer, NOT THE DRYER I ORDERED, and was later found to have knowledge the dryer was not the matching dryer, upon return, ... this voided the terms of the contract solely due to there being no meeting of the minds, in purchase with me the customer under bait and switch, then further in purchase reported to XXXX without reporting the return of the product. 

ARGUMENT FOR REMOVING DEROGATORY LATE PAYMENTS FROM MY CONSUMER CREDIT REPORTS. 
11 ) When XXXX breached the original contract by failing to appropriately adjust by decreasing the dryer cord cost I paid of {$19.00} to XXXX XXXX verses the {$15.00} never disclosed to me by email or to XXXX, at any time, this also breached our original contractual agreement. 

12 ) SUMMARY I paid {$70.00} XX/XX/XXXX I paid {$70.00} XX/XX/XXXX I paid {$70.00} XX/XX/XXXX I paid {$70.00} XX/XX/XXXX I paid {$70.00} XX/XX/XXXX I paid {$70.00} XX/XX/XXXX XX/XX/XXXX ALL ERRED INTEREST FEES WERE REVERSED BY XXXX. 
- {$74.00} - {$2.00} - {$64.00} I paid {$200.00} XX/XX/XXXX PAID IN FULL ... TOTAL DUE XX/XX/XXXX I paid {$210.00} XX/XX/XXXX OVERPAID IN FULL ... TOTAL DUE XX/XX/XXXX 13 ) XX/XX/XXXX XXXX DELIBERATELY REPORTS INTEREST CHARGES AND LATE PAYMENTS AFTER KNOWING THEYRE REVERSED The Promotional period for the Washer ended XX/XX/XXXX TOTAL DUE The Promotional period for the Washer ended XX/XX/XXXX TOTAL DUE 14 ) DISPUTED ONLINE WITH ALL 3 Credit Bureaus I disputed the DEROGATORY INTEREST XXXX reported to all 3 credit bureaus XX/XX/XXXX. 

15 ) DISPUTED ONLINE WITH ALL 3 Credit Bureaus I disputed the DEROGATORY LATE PAYMENTS ( 30/60/90 ) XXXX reported to all 3 credit bureaus XX/XX/XXXX. 

16 ) I requested all 3 Credit Bureaus correct my credit file as paid as Agreed, Closed, Removing DEROGATORY LATE PAYMENTS ( 30/60/90 ) when I paid in full per the Promotion Period. 

17 ) ALL 3 CREDIT BUREAUS DISREGARDED MY DISPUTES IN FAVOR OF XXXX XX/XX/XXXX. 

18 ) DISPUTED ONLINE WITH ALL 3 Credit Bureaus I disputed the DEROGATORY INTEREST XXXX reported to all 3 credit bureaus XX/XX/XXXX 19 ) DISPUTED ONLINE WITH ALL 3 Credit Bureaus I disputed the DEROGATORY LATE PAYMENTS ( 30/60/90 ) XXXX reported to all 3 credit bureaus XX/XX/XXXX. 

20 ) I requested all 3 Credit Bureaus correct my credit file as paid as Agreed, Closed, Removing DEROGATORY LATE PAYMENTS ( 30/60/90 ) when I paid in full per the Promotion Period. 

21 ) ALL 3 CREDIT BUREAUS DISREGARDED MY DISPUTES IN FAVOR OF XXXX XX/XX/XXXX. 

Sincerely, XXXX XXXX XXXX and XXXX XXXX ; XXXX XXXX, XXXX, XXXX, XXXX  XXXX with XXXX XXXX. 
XXXX, using XXXX XXXX Software for XXXX  XXXX XXXX From : Experian XXXX Date : XX/XX/XXXX at XXXX XXXX   EDT To : XXXX Subject : Important : Your dispute is completed, XXXX Reply-To : XXXX Experian '' XXXX Experian Membership ID # XXXX Member Sign In Hi XXXX, your dispute results are ready Dispute results Your dispute report number XXXX results are ready for review. 
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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