Consumer complaint received 2020-10-05
Company: Experian Information Solutions Inc.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
A fraudulent transaction is ruining my credit and preventing me from having a place to live for me and my XXXX daughters. I beg you for some relief from the agony this fraudulent transaction has caused me and my family. In XXXX of XXXX I hired an attorney and paid a retainer of {$3700.00}. She sent me an authorization from on XX/XX/XXXX I gave authorization for XXXX which was charged. 

She did not do what I hired her for so we where having a correspondence about that and during that correspondence she then requested another XXXX ( which is the amount on the XXXX ). I told her to send the authorization form and once she completed the tasks I would sign and authorize the charge. She charged my card after we got off the phone and then sent me authorization. I did not know at the time she charged my card she still had not done what she was supposed to do. 

On XX/XX/XXXX I reached out to her about the issue and I find out she has charged my card without me authorizing or sending a authorization form -- sent her an email and specifically stated ( as reflected in the retainer agreement ) not to charge my card without written authorization. She had charged my card XXXX between XX/XX/XXXX and XX/XX/XXXX without a written authorization form. The previous charges that I did not dispute and paid off BOTH have written authorization ( see attached ). 
I contacted XXXX first in XXXX and then the claim was renewed several times over the next 2 years. I had another card a business card that was being paid on time with no issues the account was closed in XXXX because this XXXX on the green personal XXXX  was not paid. When I explained to customer service they told me it was a mistake and I had to reapply for my XXXX  XXXX XXXXXXXX XXXX, they then had me reapply for a card I already had and declines my application and kept my account closed. 
Meanwhile XXXX was reporting me for late payments on the XXXX that had XXXX disputed outstanding payment. This dispute was never resolved despite me being advised multiple times over the three years that it would be resolved and having it removed from my statement from the time the unauthorized charge was made on the XXXX XXXX for XXXX it was a personal XXXX I never used it again. That was the sole charge on it until the account was closed. Initially when I disputed this charge I told XXXX that the case was super easy because I did not authorize the XXXX and that the lawyer if she claims I did she should have an authorization form which she did not provide and could not provide because the charge was not authorized. Over the next two/three years I explained to different customer service people the same story and they would reverse the charge temporarily and then after about six months it would reappear. She never produced an authorization form for the charge. 
I have attached the two forms showing two charges authorized that were paid off the retainer agreement with attorney where I specifically crossed out auto credit card payments and signed and dated : 1. Email when the cc authorization was sent to me asking for XXXX showing that an authorization form was necessary to charge my card. 
2. Email also stating do not charge my card without written authorization.

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