Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Colony Brands, Inc.
State: NC

Complaint narrative:
I ordered a computer from this company. I paid for an expensive extended warranty. They let me believe it was for a year. This was in late XXXX or early XXXX. Four months after I received the computer, it began to fall apart. At first, I could snap it back together. Then it fell apart altogether and there was no putting it back together. I sent it back to the company expecting to get a replacement with no hassle. I heard nothing for a month or so. I called the customer service number. I spoke with a young lady and asked her about the computer. She told me that it would not be gotten to for a couple of months. I responded by telling her I could not afford to make payments for nothing. She informed me that I had to make them anyway. I was hung up on before I could ask to speak to her immediate supervisor. I called again later and spoke to a young man. He told me that the warranty was only good for 60 days. I was never told that. I certainly would not have bought it for that insignificant amount of time. That call too ended abruptly. I wrote to the company a total of six or seven letters in the last year or so. I even wrote their credit department. During this time, I paid nothing until I learned something about the disposition of my case. Seeing delinquencies on my credit report, I disputed them. It was not very long before I saw that the company had indicated to experian that the dispute was resolved. It was not ; they did nothing and they said nothing to me whatsoever. I had told them that I was being treated for an incurable illness at the hospital every day for 3 to 4 hours after which I was totally exhausted ; so, I requested written communication so as not to interfere with my treatments. And phone calls had proven to be unsatisfactory on two previous occasions. I wrote yet again to make them an offer. I would be willing to pay the balance on the computer with no replacement of the computer if they would delete the cost of the warranty. I also wanted them to update my credit report to make all the payments I had made current and to eliminate the delinquencies. In XXXX of XXXX, I received my statement. It revealed that I had no payments due and what I thought was a lower balance. I assumed that this was compliance with what I had offered. I was pleased even if I had to pay for something I did not have. Again in XXXX of XXXX, I got a statement with no minimum payment due. I still have copies of these statements. In XXXX of XXXX, I received a statement saying that I was behind three payments. Furthermore, I discovered that these manufactured delinquencies had been turned in to the credit bureau. My credit score plummeted. It can be verified that I had no other delinquencies from anyone else for a number of years.I even had one late payment a long time ago from this same company. It was in error due to a mixup of due dates. But I did not dispute it. Again I corresponded with the company through its credit department. I sent copies of the {$0.00} payment due statements asking them to fix the errors. I only took them at their word and did not make a payment where one was not due. Logically, if the statement was in error, they should have caught it before the second error. I had no way of knowing. I have never heard from them. Not once. If they called me, I would not have been able to answer. They knew this because I told them so. At this time there are three delinquencies on my credit report which should not be there. I have written many letters to no avail. I have directly communicated with XXXX and they have promised to look into the dispute. And they have copies of the relevant materials.

Company response to consumer: Closed with explanation