Consumer complaint received 2020-05-21
Company: Experian Information Solutions Inc.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This all started with XXXX when they took over my cable account after purchasing XXXX XXXX XXXX. I had issues with my account charges changing out of the blue without notification and a multitude of TV and Internet service issues with XXXX. The last few months got really bad causing me to move to XXXX XXXX XXXX. XXXX XXXX XXXX ran a fiber line early which disrupted my XXXX  services causing me to call XXXX  for service repair. The tech from XXXX  apparently decided to cut XXXX XXXX  XXXX new fiber run instead of just reconnecting my cable and internet services running to my home. This caused me to get billed for re-running the new XXXX XXXX XXXX fiber line and re-trenching my yard because XXXX  decided to just cut my new fiber run. After calling multiple times and speaking with multiple managers at XXXX  concerning all the service issues and the cut fiber line, I got a XXXX manager to agree to accept the liability for these issues and XXXX balance the account once the equipment was returned. I also got confirmation from the XXXX  person I returned the equipment to that my account was noted by the manager and would be XXXX balanced. After over a year I found that XXXX  used a collections agency to post the very same amount to my credit report that XXXX  had agreed to XXXX  balance for all the issues I had with them. Ever since XXXX  decided to charge me in spite of our agreement, I have been fighting XXXX, Experian, and the current collections agency involved trying to get this resolved. 

Experian doesnt seem to care about offering a reasonable way of providing documented proof of disputed credit issues. 

I am currently trying to provide Experian legal documentation for a dispute with a company called XXXX XXXX regarding an invalid debt from XXXX. I believe XXXX XXXX is operating in a fraudulent manor as they are trying to collect on an invalid debt at the same time other companies were ( First XXXX XXXX   and then XXXX XXXX ) according to my recent findings. I asked Experian to report the fraudulent activities and Experian refused to do so giving me multiple excuses even though Experian themselves confirmed that XXXX XXXX was on my credit at the same time XXXX XXXX was which was removed per my legal demand letter. 

I have called Experian well over 20 times in order to get resolve with this dispute while trying to provide proof of the invalid debt. At one point Experian provided me a website ( https : //www.experian.com/consumer/upload/ ) which they themselves confirmed didnt work properly after my trying 30-40 attempts at using it to upload my documented proof. I have been shuffled between multiple departments on the phone with Experian never getting any resolve. I have asked Experian to provide contact information for the XXXX XXXX company and Im told Experian does not have that. So how is it that Experian can even put this on my report if they have no way to communicate with XXXX XXXX or validate this debt? 

It gives me great concern that Experian is operating in this incredibly unprofessional and careless manor leaving me to wonder if my information is even safe from hackers under their care. 

Please help me and resolve this since XXXX and Experian dont seem to have any intention of doing so. 

Thank you kindly, 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 non-monetary relief