Consumer complaint received 2018-08-28
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: Problem with personal statement of dispute

Complaint:
In XX/XX/XXXX I received a communication from a collection agency XXXX XXXX XXXX XXXX for a {$6800.00} XXXX XXXX XXXX Charge. Since my insurance company claims that I should only be billed {$650.00} for an emergency room visit - this amount being charged in the first place was astounding. I stated my surprise that this was in collections since I was talking with the hospital at the time as well as my insurance company as to what was going on. 

In XXXX a case with the XXXX California - State Fair Hearing for Covered California was opened and a response was issued that the hospital was charging on a cancelled insurance policy and not the current XXXX XXXX XXXX HMO plan. The resolution of this was handed down in XX/XX/XXXX that the triple charging of a XXXX XXXX XXXX HMO for XXXX and XXXX was cancelled as never effective. 

It was then the responsibility of the hospital to resubmit billing under the correct Plan. Which the hospital stated in a collection call to me in XXXX of XXXX. But they stated that instead they has sent it before their charitable fund committee and I was granted a reduction from the now {$7000.00} bill down to {$3500.00}. When I asked to make payment arrangements I was told that it had already been sent to collections and that I need to contact them if I could not pay the full {$3500.00} on demand. 

On XX/XX/XXXX - An attorney service XXXX XXXX wrote a formal dispute letter to XXXX XXXX XXXX XXXX on my behalf asking for immediate investigation of the facts and circumstances concerning the matter and a response of " at a minimum, immediate cessation of any further collection activity against this account and immediate deletion of any and all negative credit references against her. '' XXXX XXXX did not comply and continued to report on my Experian credit report of my delinquency on this account as of XX/XX/XXXX. 

When I contacted XXXX XXXX XXXX XXXX again, I was told that " Thank goodness I had called in when I did because my account was up for review to have my wages garnished. I then stated that under duress and payment under protest that I would start paying on this as the absolute refusal to comply with accurate medical billing practices and the threat of wages being taken that this was my only recourse while I continued to wait for the insurance company to respond. 

When I disputed this with Experian which was done inaccurately due to the letter from attorney 's sent. I tried to upload my documents which I kept being told that my request to upload, " We're sorry. We were unable to honor your request. '' and I was instructed to mail the documents in, which I did on XX/XX/XXXX. I received a response today from Experian that my dispute has been " resolved ''. Without receiving my additional documents and that I can not dispute this any further.

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