Consumer complaint received 2024-06-04 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Here is what I would like to state as a response to XXXX XXXX negative report to my credit profile. My official statement, my name is XXXX XXXX I am writing to address the issues I have experienced as a customer and to defend my position regarding the unfair treatment and lack of action in response to my request to lower my phone bill. Additionally, I would like to bring to your attention the persistent billing I have received even after terminating my phone service. 

Firstly, it is important to note that as a consumer, I have certain rights and protections under the consumer credit law, specifically in subsection ( b ) [ [ 1 ] ] XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ). This subsection outlines the consumer 's right to receive notice of determination when a dispute is deemed frivolous or irrelevant. The notice should include the reasons for such determination and identification of any information required to investigate the disputed information. 

In my case, I believe that my request to lower my phone bill was not treated with the appropriate attention and consideration. I clearly expressed my inability to afford a XXXX XXXX monthly phone bill when it was clearly stated in writing and communicated to me at the time when I had signed the contract that the bill would be significantly lower than this. I believe it was suppose to be around XXXX dollars total per month as advertised at the time. I requested a reduction the first month when I received my first bill. However, I did not receive any response or action from XXXX in addressing my request. This lack of action is in direct violation of the consumer 's right to fair treatment and consideration under the consumer credit law. I had also requested that my bill be lowered back down to the agreed upon amount each month that I received a bill for several months in a row. With no change as I requested at any point. 

Furthermore, I terminated my phone service with XXXX, expecting that the billing would cease accordingly. However, I was surprised to continue receiving bills for several months after terminating the service. This persistent billing is not only unfair but also contradicts the consumer credit law, which states that the person providing the information in dispute should conduct an investigation and report the results to the consumer within a specified period [ [ XXXX ] ] ( XXXX XXXX XXXX  XXXXXXXX XXXX XXXX ). It is clear that XXXX has failed to comply with this requirement. 

I am writing to address the issues I have experienced as a customer and to defend my position regarding the unfair treatment and lack of action in response to my request 's. That being multiple request 's to lower my phone bill. Additionally, I would like to bring to your attention the persistent billing I have received even after terminating my phone service. 

Firstly, it is important to note that as a consumer, I have certain rights and protections under the consumer credit law, specifically in subsection ( b ) [ [ 1 ] ] ( XXXX XXXX XXXX XXXX XXXX  XXXX ). This subsection outlines the consumer 's right to receive notice of determination when a dispute is deemed frivolous or irrelevant. The notice should include the reasons for such determination and identification of any information required to investigate the disputed information. 

In my case, I believe that my request to lower my phone bill was not treated with the appropriate attention and consideration. I clearly expressed my inability to afford a XXXX XXXX monthly phone bill and requested a reduction. However, I did not receive any response or action I am also writing to dispute the accuracy of information that has been reported on my credit report. According to my rights under the consumer credit law, specifically in subsection ( b ) [ [ 1 ] ] ( XXXX XXXX XXXX XXXXXXXX & XXXX ), I have the right to address any inaccuracies and request evidence to substantiate the disputed information. 

First and foremost, I would like to bring to your attention the ongoing issue I have experienced with my phone bill. As we have previously discussed in our support conversations, I have repeatedly requested a reduction in my monthly phone bill due to financial constraints. However, my requests have gone unanswered, and I have not received any action to address this issue. 

I believe that the failure to lower my phone bill and the subsequent persistent billing even after terminating my phone service has resulted in inaccurate reporting on my credit report. Wich has also led to financial difficulties in accessing funding and financial opportunity 's that I might have otherwise been able to have access to. Therefore, I kindly request that you investigate this matter thoroughly and provide evidence to support the disputed information. 

In accordance with the consumer credit law, I urge you to provide the following : XXXX. Transcripts of all support conversations I have had with XXXX regarding my request to lower my phone bill. These transcripts will serve as crucial evidence to substantiate my claim [ [ XXXX ] ] ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 

XXXX. Any other relevant information or documentation that supports the accuracy of the reported information on my credit report. 

I also request that you review all the relevant information I have provided in this dispute letter, including our previous conversations, to ensure a fair and thorough investigation. 

Please note that under subsection ( c ) of the consumer credit law [ [ 2 ] ] ( XXXX XXXX XXXX  XXXX & XXXX ), any subsequent consumer report containing the disputed information should clearly note that it is disputed by the consumer and provide either my statement or a clear and accurate summary thereof. 

In addition, under subsection ( d ) [ [ 2 ] ] ( https : //poe.com/citation? XXXX & XXXX ), I expect to receive written confirmation of the deletion of any inaccurate information and a copy of my consumer report based on the corrected information within 5 business days after the deletion. 

I trust that you will conduct a timely and comprehensive investigation into this matter, considering the rights and protections afforded to consumers under the consumer credit law. It is my hope that this dispute will result in the accurate and fair representation of my credit history. 

Thank you for your attention to this matter. 

I would like to remind both the credit company and XXXX that as a consumer, I have the right to dispute the accuracy or completeness of any information in a consumer report furnished by the agency [ [ 5 ] ] ( XXXX XXXX XXXX  XXXX & XXXX ). In light of the issues I have raised above, I am formally disputing the accuracy of the billing information provided by XXXX. I request a thorough investigation of this matter and a prompt resolution. 

I expect a timely response addressing each of the issues I have raised. Failure to do so will leave me with no choice but to escalate this matter further and seek legal remedies available to me under the consumer credit law. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

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