Consumer complaint received 2018-05-31
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
The company involved is XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX They lease credit card processing equipment and services. 
I owned a company called XXXX XXXX and the agreement in question was between XXXX XXXX and my company XXXX XXXX. I never personally guaranteed the service.

Originally we used their services from XXXX until XXXX at which time we had a legitimate contract ; then in XX/XX/XXXX they contacted us and stated in order to be PCI compliant we needed to upgrade which by the way was not 100 % true. 
In XX/XX/XXXX it is possible one of my employees signed my name to a 5 year contract to continue the services. I did not know of this contract with XXXX XXXX and even have my doubts that anyone signed anything. Instead of using XXXX  I opted for a less expensive more efficient means with another credit card processing company. I was not aware we were paying 2 services until XX/XX/XXXX at which time upon further investigation I saw the contract signature page only ( they faxed this to me ) which they claim I signed which clearly does not have my signature on it. Furthermore they never supplied me with a copy of the full contract with valid dates. I argued with them and then just to get them out of my hair I negotiated a deal which they agreed. I would pay the full remaining balance for the entire contract and they would leave me alone and not do what they repeatedly threatened to do which is ruin my credit. I paid in full and they continue to report this false inaccurate and erroneous report to Experian. Experian has refused to critically investigate this matter. 
Simply stated at face value XXXX XXXX claims that in XX/XX/XXXX there was a charge off yet in the same report they report I paid this debt in full. How could it be both? Then in XX/XX/XXXX they claim it was closed. This was three months after I paid them in full. 
This was not a revolving debt or credit account yet they report it as such, like a credit card. this is false and misleading. 
XXXXXXXX XXXX  has numerous consumer protection complaints. 
They are an unscrupulous business, holding many people like myself hostage. The initial sales pitch to my employee is we had to sign with them to be XXXX compliant and that they would provide this service which was PCI compliant. We never used their service from XX/XX/XXXX, not for any transactions whatsoever. In XXXX when I discovered they were deducting money from my account every month I called and tried to find out first how I had this service. I was not aware I had this service. They would not cancel the service even though I presented them with compelling evidence this was not my signature and I was completely unaware until well after the fact that we even had this service. They then took my money full payment for the entire 5 year contract ( one year ahead of schedule I may add ) and then proceed to report negative information even though I paid them in full and in fact partially in advance. I feel they are possibly providing false documentation and or information. 
I feel this way because the representatives were very hostile towards me and threatening and used profanity and insults trying to bully me into paying them. 
In the end I felt they scammed me and after already paying them over {$1500.00} what is another {$470.00}? I thought perhaps they would carry through with their threats to ruin my credit. I believed their promise that this was the only way ( to pay them in full ) ; they told me it was an agreement that if I just paid the entire amount they would close the account and would never report anything negative to any credit reporting agency. 
They also claimed I owed them for the credit card processing machine, I sent this machine back to them via XXXX and they stated they received it. You just cant make this stuff up. If you perform a simple google search or XXXX  search or I am aware they have many complaints filed with the CFPB they may have scammed many people just in the same exact manner. Please help me!

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