Consumer complaint received 2020-08-14
Company: Experian Information Solutions Inc.
State: OH
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 filed a dispute/complaint with XXXX on a loan they granted to XXXX XXXX XXXX, for stem cell injections they provided to me. I filed because I tried reaching out to XXXX XXXX XXXX and come to find out they are no longer in business and I was scammed. XXXX XXXX XXXX XXXX assigned my dispute to XXXX XXXX, who responded on XX/XX/XXXX. 

After several emails with XXXX ; he stopped responding and would not provide any information on his findings. I received a generic letter stating my case was closed, but nothing was provided on what the resolution was. I ended up getting multiple phone calls from multiple numbers ( not being recognized ), which ended up being from XXXX 's " internal collection agency. '' I spoke to Supervisor XXXX ( ID XXXX ) " twice '' and explained to him that I was still waiting for XXXX to provide his findings. XXXX stated he would reach out to XXXX or someone else to get my info. While waiting, I received several more calls from different numbers from XXXX, trying to collect the remaining payments. XXXX 's main emails ( XXXX ) & ( XXXX ) ended up blocking my email, which I verified by sending a request from another email account. 

XXXX XXXX, XXXX XXXX XXXX with XXXX, reached out and we went back and forth, and yet I still did not receive the info. I ended up getting a notice from XXXX/Experian that XXXX reported my payment being 30 days late. From this, I filed a complaint with the XXXX. 

XXXX reversed the claim, but Experian did not, which I just provided supporting documents today and now waiting on another response. I have never received any info from XXXX, but when trying to access my account, I got an error, and the Supervisor stated that they can not remove the error, and I would " never '' be able to access my report online and that I would have to request this via mail ( I'm still trying to find a corporate number or email to request help ). 

On XX/XX/XXXX, XXXX responded to my XXXX complaint and mentioned : " This matter has been resolved. We investigated your concerns regarding the services and determined that you did received them and that you are not satisfied. XXXX can not dispute the quality of goods or services that you received from the provider. If you are having any issues with the services please reach out to the provider for assistance. XXXX has closed this matter and encourage you to work with the provider on this matter. On behalf of XXXX we apologize for your experience with the dispute process and your customer service experience. '' " The balance on your account was restored and you are obligated to make monthly payments. '' " I will send you an email later today with your resolution letter for this matter. I cant speak to XXXX merchant review process. I can share that every complaint case that comes in is cataloged and reviewed. '' I never did receive any info from XXXX as promised, and I emailed him on XX/XX/XXXX requesting this. I have yet to receive a response. 

The fact that XXXX provides services to companies such as XXXX XXXX XXXX ( whom I got scammed ), make me feel that XXXX doesn't research any company 's legitimacy, and the consumer gets screwed paying the bill. 

So, XXXX seems to loans its services to any business. They send you to credit bureau 's while disputing and filing a complaint with XXXX/XXXX. Their customer support is horrible and they bombard you by calling none stop and even block your email address. And they do not provide any findings from their investigation. 

I was loaned {$8900.00} for stem cell shots from XXXX XXXX XXXX, which was not a legitimate business, and XXXX doesn't care, as " services '' were provided. I had paid back {$5300.00} and stopped while disputing. I just paid {$1500.00} on XX/XX/XXXX. 


As a side note : Being scammed, I should not be held liable for the loan and XXXX should be the one going after XXXX XXXX XXXX, and not me. But since it seems I have to do this, I wanted the investigation and the resolution info that XXXX   found/performed, so I could use this info to go after XXXX XXXX XXXX ( which I never received ). Any help on who I can contact to go after XXXX XXXX XXXX would be greatly appreciated ...

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