Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

I am writing to formally dispute the inaccurate information that has been reported to your agency by XXXX XXXX, which has severely damaged my credit standing. I have always been a responsible consumer, consistently paying my bills on time, including those to XXXX XXXX. 

In XX/XX/XXXX, I switched to XXXX XXXXXXXX XXXX  XXXX XXXX  XXXX program with the understanding that it would result in cost savings, as my family is away from home during the day and uses major appliances primarily at night. However, XXXX XXXX inaccurately reported that my energy consumption was higher during the day. I contacted XXXX XXXX multiple times, requesting an investigation into these discrepancies. Despite their promises, XXXX XXXX never provided any findings or resolutions. 

In XX/XX/XXXX, I relocated from Texas to New Jersey and prepared my house in Texas for sale. Despite the house being unoccupied, my electrical bills continued to exceed {$200.00} per month for day usage. During XX/XX/XXXX to XX/XX/XXXX, this persisted, and my requests for investigation were met with further unfulfilled promises. 

Subsequently, I switched to another provider, XXXX, due to XXXX XXXXXXXX XXXX  ongoing inaccuracies and excessive charges. XXXX XXXX then imposed an early termination fee, bringing my total bill to {$530.00}. Amidst this dispute, my mortgage company conducted a hard credit inquiry two days after XXXX XXXX reported to your agency, causing my XXXX XXXX to plummet from over XXXX to XXXX. 

Upon contacting XXXX XXXX, a supervisor named XXXX XXXX contacted via their customer service ) assured me that if I paid {$380.00}, he would provide a letter within XXXX hours confirming the account was paid in full and acknowledging the incorrect billing address. I complied, but no such letter was provided. Further attempts to resolve the matter included communications with their consumer XXXX office, where a representative named XXXX ( phone : XXXX ext. XXXX ) promised to investigate and call back but never did. Another representative, XXXX ( phone : XXXX ext. XXXX ), eventually told me that the supervisor had provided incorrect information and that there was nothing more she could do. 

This inaccurate reporting has significantly impacted my ability to secure a mortgage at the previously quoted rate, causing undue financial hardship. As a credit reporting agency, it is your responsibility to ensure the accuracy of the information provided by businesses. The erroneous data from XXXX XXXX is now detrimentally affecting my financial standing. 

I request that you investigate this matter thoroughly and correct the inaccurate information in my credit report. Additionally, I have filed complaints with the XXXX XXXX XXXX and reached out to media outlets to bring awareness to XXXX XXXXXXXX XXXXs practices. 

I expect a prompt resolution to this matter and confirmation that the erroneous information has been removed from my credit report. Please update me on the progress of your investigation and the actions taken to correct these inaccuracies. 

Thank you for your attention to this urgent matter.