Consumer complaint received 2024-09-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have had a XXXX XXXX XXXX XXXX XXXX since XXXX. I rarely use the card, and I moved in XXXX and subsequently provided XXXX 's with my current address since XXXX. I had not used my XXXX 's card for more than a year until XX/XX/XXXX, when I made a purchase of jewelry at XXXX XXXX in XXXX XXXX, California, as a birthday present for my fiance. After I gave the gift to my fiance, she advised me that I had previously purchased the exact same item. On XX/XX/XXXX, I returned the purchase to XXXX 's in XXXX XXXX, California. I believed the return of the exact same amount reflected my balance as XXXX, and thought nothing of it. I never received any billing statements from XXXX 's thereafter. In XX/XX/XXXX, there was a delinquency on my Credit Bureau reports from XXXX 's which indicated {$13.00}. I had no idea what this was for, so I contacted XXXX 's and advised them I had not made any purchase since XX/XX/XXXX, and I returned the same item. They could not explain what the charge was for initially, and then advised me that when I made the XX/XX/XXXX purchase, " XXXX XXXX '' credits were applied and when I returned the item the XXXX XXXX XXXX '' points reflected {$7.00} less and this was the outstanding charge. I still do not understand what they are talking about, but I never received a billing from XXXX XXXX, they alleged that they sent a billing to my previous address from 5 years ago ( said billing which still has never been provided to me ). I paid {$15.00} by telephone on XX/XX/XXXX, which XXXX 's alleges I owed them but, again, they have never sent a billing to my correct address. XXXX 's reported a delinquency on my credit report of 90 days and this has caused my excellent credit score to drop by XXXX points. I have filed disputes with all three credit bureaus and contact XXXX XXXX approximately 8 times requesting that they remove the delinquency from my credit report, but they have not done so. I have proof from a purchase made two years ago, that XXXX 's has my correct address, they have my telephone number and my email address, as they send me emails for store sales daily ( notwithstanding the fact that they never sent me a bill, never called me or emailed me regarding the purported {$7.00} charge ). I have been totally stressed out and have lost sleep for the last week, as XXXX 's has severely and negatively impacted my credit score. They refuse to send me duplicate billing for the alleged charges and failed to remedy a very easy mistake caused by XXXX XXXX, not me. I am an attorney by profession, and I am making this complaint as a last chance effort to resolve this, prior to having to resort to filing suit against XXXX XXXX. 


I am attaching an online purchase which proves that XXXX 's knows my current address, at least since XX/XX/XXXX. They have alleged that they sent a billing to my previous address which I never received and to a house I no longer own. I have also attached a letter sent yesterday to Experian with regard to my dispute of XXXX 's inaccurate negative delinquency report. 

Please help.

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