Consumer complaint received 2015-06-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (ND)

I went to XXXX Hospital in XXXX ND and had XXXX XXXX XXXX XXXX XXXX Insurance that was entered at check in and I paid my required co-pay payment. Not long after, I received a hard inquiry on my Experian credit report from XXXX as well as a collection account. I tried for days to contact billing to no avail, I then contacted the administrator of the hospital and was told due to the XXXX XXXX at this time, every business in this county was suffering some sort of issues, be it staffing, hours, etc which made perfect sense having seen the chaos here XXXX hand. ( I urge you to look that up XXXX I explained that all my contact info was in their system and i had been seen by them, charged by them and used my insurance, etc since then and prior to this reported collection and was never told about it or made aware of any debt owing. The only response I got was just call XXXX about the matter. So I call XXXX and they could not provide me any proof whatsoever of a letter, a phone call or any correspondence on earth regarding this debt and just put it straight on my credit. A collection for {$310.00} went on my credit and I paid it promptly in full but could get no answers or cooperation regarding the debt. I never entered in to any agreement, terms, etc with XXXX as I only come to know of this matter once it appeared on my credit monitoring service. I feel no attempt was ever made, no phone call ever was placed to me, no letter was sent that they can provide proof of, etc. There has been some time since all this has transpired but I am hearing more and more stories here in XXXX of XXXX pulling this same stunt on all the out of town XXXX that have flooded this quite little town which I find unfair and perhaps dirty tactics as apparently the locals get bills in the mail and phone calls from this local gentleman that runs this local collection company. I also see on my Experian report that the collection now shows CHARGED OFF for XXXX 2014 which has changed. This account was not charged off. There were no terms or agreements or CHARGE OFFS. There was no contact from XXXX for this debt. This debt was paid in full by me after no cooperation from XXXX to understand why it even ended up on my report. I want this removed and this inquiry of XXXX removed as well. Should it not have been a soft inquiry or no inquiry at all seeing I had no knowledge of this company based on the methods they used which I feel are dirty tactics. Experian has been very poor with assisting me with errors they have had to correct more than once despite countless hours spent trying to deal with them about past errors. Since I am no lawyer or important person I guess they can just do what they want or tell me nothing can be done and the list of unhelpful events grows with them. THEY ARE NOT USING DUE DILIGENCE IN INVESTIGATING MY ERRORS! Its not like I am a bum that does not pay his bills and I just want it to magically disappear. There are other errors as well that I have just sent them yet another letter about that the other bureaus have corrected, but not Experian. I will file another complaint when I receive there response of no action taken because no action will be taken from my experience. This is just wrong and something should be done about it.