Consumer complaint received 2017-03-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
This is in regard to XXXX/XXXX for {$340.00} reporting on my Experian credit report. 
I could argue that several of the reasoning options listed above would suffice as a grounds for complaint, ie., did not get proper help over the phone, problem with statement of dispute, investigation took too long, etc. ... .and, I could probably add a few more not listed. I am frustrated! 
I have disputed the below described issue with the reporting company but have not received a final agreed disposition. 
This started with my discovery of not XXXX but XXXX erroneous duplicate hits on my Experian credit report. After investigation, it was concluded that both NOT just XXXX have been reported erroneously. It was quite obvious that in an attempt to 'punish ' me for refusal to acknowledge the debt, XXXX and possibly XXXX hit my credit twice for the same date of service. This is unethical! After calling XXXX on the issue in XXXX, XXXX did agree to remove the XXXX duplicate charge but subsequently refused to remove the other at the request of XXXX. 
Twice, attempts were made with representative XXXX and then XXXX at collection XXXX collection agency. XXXX finally agreed to remove the XXXX duplicate but again, refused to remove the original because XXXX stands by their practice of unethical business. I had even sent, via mail, a request for documents and did get back a statement of billing which showed insurance adjustments and final amounts due. This is redundancy. 
Here are the facts- When I initially sought services from XXXX, I made it quite clear that I did not want to incur unnecessary charges and charges that my insurance company would not pay. Before I even went in, I made sure that XXXX had properly called to verify benefits. I have had years of XXXX problems and did not need to repeat redundant procedures and testing. I simply needed prescriptions and remedies. This was all explained to XXXX and later, to XXXX. 
At this time, this is neither here nor there now as I have moved past trying to get XXXX to provide my requests to delete negative reporting and now see that my time is wasted dealing with XXXX as I was getting nowhere. Therefore, I directed my complaint to Experian in the hope that their investigation would prompt collection agency to back off the negative reporting. 
Experian has a responsibility in proper investigating and in reporting to me the timely status of the investigation instead of the dry and customary " meets FCRA requirements ''. I have disputed this twice now ( three if you count the initial phone call dispute ) with Experian and do n't even get the courtesy of a letter or email to notify me of status or findings. I am very frustrated and feel as though I have no rights in this matter and have gotten nowhere in following recommended protocol and steps for resolution. This has been an education for me and I have learned that the reporting bureaus do n't have to substantiate anything except known public record type of information to satisfy the proof of debt. The credit process has been made to be a black or white issue with reporting and follows a general set of guidelines and protocol therefore making it a laborious process to communicate situations and disputes that are not always black or white and do require more ethical investigation than just the standardized proof of debt validation. On top of this, it has easy to see the close relationship that the bureaus keep with the lenders and creditors that works against the borrower in many cases when a person such as myself has to fight for my right to obtain information and request dispute resolutions. 
XXXX did right and removed it. For final disposition on this matter, I request that this be removed from my report with Experian as I see no other viable or satisfying solution.

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