Consumer complaint received 2016-07-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was scammed into signing up for the timeshare agreement by XXXX XXXX XXXX in XXXX XXXX which is a result of the charge on my XXXX credit card.The sales reps provided us several alcoholic beverages in addition to champagne. We listened to their sales pitch and we were told many things that we later found out to be untrue. Some of the things we were told include us being able to speak to customer service toll free from the US, we were initially promised a room they showed us which included a Jacuzzi both in the room and on the balcony, we were promised the ability to use the membership at any time, we were not informed we would be required to pay maintenance fees, we were not informed of the cancellation policy,. I originally requested to cancel the membership on XXXX/XXXX/2013 by emailing XXXX XXXX XXXX my desire to cancel. I requested to cancel within their specified cancellation policy. After contacting XXXX several times to confirm my cancellation request, I was told they never received my request to cancel. In response to one of my disputes with XXXX, XXXX informed again that they never received the email and if I wanted to cancel, I would be responsible for paying the administrative fees. They never acknowledged my request to cancel or the fact that their arbitration department later stated well after the cancellation period, that the membership could be cancelled after paying the administrative fees. I originally started out paying this debt because I did n't want it to affect my credit, however I have since stopped because I do n't feel I should be responsible for paying {$2500.00} for something I was misled into and rightfully cancelled. I have not been able to receive any resolution or assistance from XXXX at all. I have reached out to XXXX XXXX XXXX several times and every time I ask them to contact me or have, their arbitration department contact me regarding my cancellation, they never respond to my emails. I contacted them via phone which costed me {$34.00} for 20 minutes in which they were unable to understand me well enough to know I was trying to see if they have a US based addressed. I have even tried working with an attorney in which they informed they would not be able to assist due to jurisdiction. I disputed with the credit bureau also who recommended that I reach out to CFPB. I have included print outs of emails that I have received no response to, online customer reviews of customers who have experienced similar instances of fraud with XXXX XXXX XXXX, and the page from the dispute from XXXX in which they states my option to cancel, which they have never acknowledged. Please review Scan XXXX first and XXXX second as the second attachment is a continuation from the first scan. I have been fighting this for quite some time and I am at your mercy for some assistance. This is really my last option to get any assistance in this manner. I do not feel a company should be allowed to scam customers like this and get away with it especially when it comes to my XXXX earned money. I work very hard for my credit and I am being negatively punished her without the ability to do anything about it.

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