Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The email response below is sent to me by XXXX XXXX XXXX XXXX XXXX XXXX  ) in response to questions I needed answers to address with an ongoing issue with XXXX XXXX XXXX. Prior to this email, I had a phone call conversation with a representative of XXXX. I asked the XXXX representative how can I file a dispute ( debt validation ) and report fraud. She stated that XXXX  does not handle that that XXXX XXXX does. The XXXX representative got really abusive over the phone and I asked her to slow her roll with the way she was speaking to me. I asked her to repeat what she just had stated to me and then again she used profane and abusive tactics. I said can you repeat yourself again, and conversation was over, she hung up the phone. After that conversation I was sent an email with my payment history and contracted I had signed with XXXX. Question is why did they send the information if the XXXX representative stated they dont handle that XXXX XXXX does. First of payment statements or the alleged retail installment contract/security contract are not debt validations. 


ACCT # Thank you for contacting XXXX XXXX XXXX XXXX ( XXXX ). In response to your inquiry, we are the finance company that financed the tax services provided by XXXX XXXX XXXX Our attempt to reach you by phone was unsuccessful. We have attached a copy of your retail installment agreement and a detailed payment history for your records. 

We apologize if our service did not meet your expectations, and we appreciate you taking time to share your concerns. Our goal is to provide an exemplary level of customer service. We take every customer concern seriously. We apologize for any inconvenience. 

For tax questions or concerns with the services provided, please contact XXXX XXXX  XXXX directly at XXXX Please visit our website at XXXX  to review your account information. If you have any questions, please contact us at XXXX. 

Our hours of operation are : Monday - Friday XXXX - XXXX EST Saturday XXXX - XXXX EST Sunday XXXX - XXXX EST Thank you, Account Services Department I had asked XXXX XXXX for a debt validation for the alleged debt for the IRS and XXXX  a 3rd party affiliate with the IRS ( These debt collectors had sent me alleged debt payments ). I wanted to know the origins of the bill that was asked for me to pay. I noticed ( IRS/ XXXX ) they were double dipping and probably committing FRAUD. I contracted XXXX XXXX  and 3rd party finance company XXXX ( retail installment contract/ security agreement ) to handle my alleged debt with the IRS XXXX XXXX XXXX refused to send me the debt validation for the IRS and XXXX so then I asked for a debt validation for their services to analyze why was I being charged that erroneous amount by XXXX XXXX I filed a complaint with the XXXX XXXX XXXX  and nothing got resolve except for fictious emails and phone calls to cover their fraud by XXXX and XXXX XXXX XXXX XXXX. 
I have tried to resolve this, but I have gotten nowhere with the documentation requested. I will explore every option within the UNITED STATES CODES, THE UNIFORM COMMERICAL CODES, and THE U.S CONSITITUTION.

I never missed a payment with XXXX I had only one late payment due to my banking account card being lost or hacked. I gave them a call and explained the situation, that it took 7 to 10 days to send me a new card and they still charged me a late fee charge. After I had advise them that I was looking for a validation of the alleged debt with XXXX XXXX they stop charge my bank card ( why? they stated to me that XXXX handles that ). Now I have been seeing negative remarks on my credit report.

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