Consumer complaint received 2019-04-18
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Phone : XXXX Email : XXXX XX/XX/XXXX Consumer Financial Protection Bureau Attention : ( XXXX ) XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX Washington, D.C. XXXX XXXX To whom I seek help : I humbly write this letter to seek your help in a matter that I believe to be unfair trade practices and malicious intent. I made a purchase of furniture from XXXX XXXX XXXX in XXXX, NC on XX/XX/XXXX. The furniture was financed through three ( 3 ) finance companies : XXXX XXXX, XXXX XXXX and XXXX XXXX XXXXr ( XXXX XXXX ). As you will see in the enclosed letter from my attorney and supporting documents, XXXX XXXX XXXX breached the contract by not delivering all of the furniture that was ordered by the delivery date guaranteed by XXXX XXXX XXXX. All furniture was to be delivered in its entirety by XX/XX/XXXX. The bulk of the furniture that was delivered was incorrect ( delivered wrong size beds and matrices ) per the purchase order and the remaining furniture that was delivered damaged. I never received all of the furniture that was stipulated in the purchase order and, based upon this breach, I cancelled the entire order. Every piece of furniture was picked up by XXXX XXXX XXXX, most of which was damaged. 

Specifically, my complaint is regarding to the refusal by XXXX XXXX to remove all negative entries to my credit report. When I cancelled the order in XXXX, I was refunded all of the money from XXXX XXXX and XXXX but XXXX XXXX still reports that I owe them {$6700.00}. I returned all of the furniture that was delivered within the original purchase order, including a king size bed headboard and footboard that was incorrectly delivered. 

I have enclosed all of the documents that I prepared for my attorney to ensure her letters were factual and complete. I have also included a copy of my credit report showing the XXXX XXXX credit entry showing very negative information posted. All furniture that I received was returned, including items that were delivered the wrong size. XXXX XXXX and XXXX each refunded the entire amount of money and removed negative postings from my credit report. XXXX XXXX, however, has not only failed to cancel its financing agreement, it has continued month after month to show the balance it says I owe. Regarding XXXX XXXX in an effort to illustrate the damage, they have done to my credit regarding XXXX XXXX in an effort to illustrate the damage they have done to my credit. Because XXXX XXXX  continues to report that I have an unpaid balance of {$6700.00} and their egregious actions of showing late payments, I have been denied credit three times. XXXX XXXX has destroyed my credit and continues to do so each month. 

I beseech you to help me resolve this injustice. I retained no furniture from the initial order yet, XXXX XXXX continues to claim I do. My attorney has tried many times to get them to remove the posting from my credit report. My attorney hopes your agency can get a resolution of this issue so that I do not have to incur any further legal fees. I have been XXXX since XX/XX/XXXX and I need XXXX XXXX to completely remove any balance and all postings to my credit report so I can start repairing the damage its actions have caused. 

Respectfully, 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 non-monetary relief