Consumer complaint received 2022-10-05
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:
To begin please also refer to previous complaint filed against XXXX case number XXXX Herein this complaint specifically titled against XXXX as that it is the same situation BUT both are involved. Also, given the timer on this website my focus on the previous complaint was slightly interrupted so I am including it in here since I can't edit my previous complaint against XXXX. To continue, the terms and conditions under this XXXX account, specifically, XXXX erroneously reported a late/missed payment to my Credit report. The terms and conditions under this account included a provision titled Your Rights If You Are Dissatisfied With Your Credit Card Purchases. I duly invoked such rights and notified XXXX in writing a total of two times now. The last includes a tracking number of a second notification. Under these terms and conditions, it is understood that during an investigation XXXX would not report this to my CREDIT report and that if I am dissatisfied with my credit card purchase I may not be required to pay this balance. I articulated WITH GOOD FAITH why I am " Dissatisfied '' with XXXX under which this complaint is titled and submitted under. Furthermore, No such late payment occurred as required under FCRA. No such late payment in excess of 30 days occurred and such documentation was provided to Experian, XXXX and XXXX. Upon submitting a dispute- it was clear that no investigation by the Credit Reporting agencies was conducted but instead, someone simply wanted to send out a response letter hoping to beat the required 30 days instead of actually investigating and looking at my documents. 
Regarding XXXX  in specific, the agreement monthly service was conceived under illegal and misrepresentations and altogether can demonstrate bad faith. As I wrote on the referenced tandem complaint. Furthermore, XXXX after being rightfully advised of a notice of cancellation received by them on XX/XX/2022 hastily charged me a second time in one month in a clear effort to take advantage of the situation while they had the power to do so. Also, I suspect that XXXX will attempt to report a payment issue of some sort to my Credit Report in retribution for cancelling service. Given the experience I have already had with the Credit Bureau, i expect a lack of help and cooperation despite having already explained this. So far, I have not seen any reporting from XXXX on my Credit report in specific. The promised goods and services from XXXX have not improved any quality of living standards or expectations which are key in it's existence and contribution to our society. Instead, it has only created turmoil, grief and my quality of life has depreciated simply because I was fooled into becoming involved with XXXX. This merchant has shown to only exist for the sake of generating revenue at the cost of holding my credit worthiness XXXX and leveraging it over any of the slightest misunderstanding or technical issue involving payment or the such. No company governed under the FTC should be allowed to exist for the sole means of reaping havoc on the lives American citizens and then USING AND WEAPONIZING THE CREDIT REPORTING AGENCIES AS THEIR TAX ENFORCERS. As such, the Credit reporting agencies have only shown to favor such merchants/companies against the American citizen even if the American citizen can provide just documents proving their case.

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