Consumer complaint received 2019-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
RE : Experian Credit Report / Annual Credit Report, report # XXXX, date generated XX/XX/XXXX, Potentially Negative for XXXX XXXX, XXXX XXXX XXXX dispute {$210.00} I request that the above potentially negative information to be removed from my credit report, because of the following reasons : 1. XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX . XXXX, XXXX, Fl XXXX committed a fraud by using XXXX tablet without showing All sales are final, no returns on the charge of {$210.00}. 
2. Ms. XXXX XXXX of XXXX XXXX XXXX, accept the defect merchandise on XX/XX/XXXX, which was shipped by USPS priority # XXXX XXXX XXXX XXXX XXXX XXXX, without refund the {$210.00} charge to XXXX XXXX. It is another fraud they committed. 
3. XXXX XXXX had been informed by me since XXXX of XXXX, by the tel., faxes, emails, and online access. The dispute process was delayed by the XXXX XXXX. The {$210.00} dispute case was opened? approved? Denied? Re-opened? Case number was changed a couple of times. Case number was changed from Case # XXXX to Case # XXXX and finally Case # XXXX. 
This process caused delayed XXXX XXXX XXXX to admit the fraud they committed, and they refused to refund {$210.00} because the deadline for refunds had lapsed. 
4. Discrimination of XXXX XXXX ( my husband ) and me. 
XXXX talked to XXXX XXXX  on my behalf for this dispute. They didnt agree to the open and re-open dispute. XXXX XXXX went ahead to lower his FICO scores from above XXXX to XXXX. XXXX disputed the allegation, then his FICO score went back to XXXX. 
XXXX FICO scores were lowered from above XXXX to XXXX, then lowered the second time to XXXX. 
5. 3 of my XXXX Credit cards ( # XXXXxxxxxxx, # xxxxxxxxxxxxXXXX, # xxxxxxxxxxxxXXXX ) had been closed because of this dispute for additional punishment. 

The Fact On the date of XX/XX/XXXX, at approximately XXXX in the State of Florida , in the Town of XXXX , I undertook to enter into an electronic purchase of an electronic device. The company selling the device was XXXX XXXX, XXXX. The vendor was operating inside XXXX XXXX during the XXXX XXXX XXXX XXXX XXXX. 
The vendor, XXXX XXXX XXXX, had no SIGNAGE on their table stating any specific return policy. The vendor did not provide me with a paper receipt of the merchandise purchased. At no time, did the agent for XXXX XXXX XXXX, informed me of their All sales are final, no returns policy. 
Had I known of this policy would not have purchased the goods, I never ever purchase any merchandise on any credit card with that policy. 
The purchase transaction used a tablet. The tablet was a XXXX tablet. At no time, did the agent read aloud the full term of the purchase agreement. The vendor stated, this is what you want?, the price is {$200.00} plus tax. THAT WAS IT! At no time, was the return policy discussed, shown, or provided to me before signing on the screen of the tablet. 

Chronologic disputed outline : XXXX XXXX # XXXX XXXX  XXXX XXXX / XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Charged Ref # XXXX Charged without receipt & warranty by vendors XXXX tablet XXXX & XX/XX/XXXX Tel : XXXX, XXXX, fax XXXX, XXXX. Contacted XXXX and XXXX XXXX, XXXX by tel. XXXX, Ms. XXXX & email XXXX for Serial # XXXX, NOT WORKING UNIT XX/XX/XXXX Letter from XXXX for Dispute XX/XX/XXXX fax XXXX, XXXX XX/XX/XXXX Mr. XXXX XXXX of Disputed Dept. XXXX, XXXX Ms. XXXX XXXX. 
XX/XX/XXXX XXXX, XXXX Ms. XXXX XXXX. 
XX/XX/XXXX Email : XXXX XXXX, XXXX, XX/XX/XXXX Replied to XXXX   online for dispute Email from XXXX for review until XX/XX/XXXX XX/XX/XXXX Letter from XXXX for dispute {$210.00} Case # XXXX, Dissatistfied with the quality of merchandise/service received XX/XX/XXXX XXXX online confirmed for dispute Returned by USPS priority # XXXX XXXX XXXX XXXX XXXX XXXX , Ms. XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX . XXXX, XXXX, Fl XXXX. 
Informed by XXXX and email at XXXX XXXX XXXX. 
XX/XX/XXXX XXXX, XXXX stated, {$200.00} + {$13.00}, dont pay for it XX/XX/XXXX XXXX online confirmed for dispute Returned was accepted by XXXX XXXX, XXXX. 
XX/XX/XXXX Letter from XXXX XXXX XXXX, Dispute Dept. for update on your dispute ( s ) for {$210.00}. Case # XXXX XX/XX/XXXX Received a call from Ms. XXXX from refund. 
XX/XX/XXXX Letter from XXXX XXXX of XXXX, dated XX/XX/XXXX, dispute of {$210.00} was denied. Case # XXXX XX/XX/XXXX XXXX XXXX emailed XXXX for acceptance of defected good of XXXX and requested refund of {$210.00} through XXXX # XXXX XX/XX/XXXX Fax XXXX, XXXX for dispute {$210.00}, Case # XXXX, Letter dated XX/XX/XXXX. 
Confirmed fax received by Supervisor XXXX XXXX of XXXX, OH., and XXXX XXXX of dispute Dept. 
XX/XX/XXXX XXXX, XXXX of Disputed Dept., stated new case will take 24-48 hours. Call back on XX/XX/XXXX Sunday for new case XX/XX/XXXX Re-fax XXXX of XX/XX/XXXX, total 3 pages. 
XXXX, Ms. XXXX XXXX , call back 48 hours for new case. 
XX/XX/XXXX Letter from XXXX confirmed re-dispute. case # XXXX XX/XX/XXXX Letter from XXXX, Denied the re-disputed. Stated in the letter we found that significant amount of time has passed since the date of the charge. Despite our effort, the merchant is not willing to credit your account. Case # XXXX XX/XX/XXXX I informed XXXX to close the credit account after I paid all charges besides XXXX XXXX XXXX charge. 
XX/XX/XXXX Letter of Past due from XXXX XX/XX/XXXX XXXX, XXXX # XXXX of Dispute Dept., XXXX XXXX XXXX, Mr. XXXX, Manager of XXXX XXXX, Texas XX/XX/XXXX Sunday, a call from XXXX for Dispute and re-open dispute, and past due. 
XX/XX/XXXX Sunday, a call from XXXX for Dispute and re-open dispute and past due. 
XX/XX/XXXX XXXX and her Supervisor, XXXX XXXX, TX. 
XX/XX/XXXX Letter from XXXX for Contacting by mail only FICO Scores Changes : Because of the dispute ( s ), XXXX XXXX ( mine ) and XXXX XXXX ( spouse ) FICO scores were impacted as followed : XXXX XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX Above 800 Above 800 XX/XX/XXXX Above 800 699, due to the dispute XX/XX/XXXX XXXX ( due to the dispute ) XXXX XX/XX/XXXX to XX/XX/XXXX XXXX ( punished again for the dispute ) XXXX, XXXX, XXXX ( contested the dispute ) XX/XX/XXXX XXXX XXXX XXXX Credit Cards : I had 3 XXXX XXXX credit cards which was issued at different time. And there are all closed now, because this dispute. 
The timelines are : XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX Account opened XX/XX/XXXX XXXX XXXX # XXXX : Credit line changed Credit line {$11000.00}. XX/XX/XXXX, Reduced to {$5000.00} from {$20000.00}, due to the dispute of XXXX  XXXX   XXXX Charge Requested {$5000.00} credit to be merged to Chase # XXXX, and denied by XXXX due to the dispute. 
# XXXX : Account closed. XX/XX/XXXX due to the dispute. But it was actually closed by XXXX on XXXX, XXXX. 
XXXX XXXX : Account closed at consumers request and dispute investigation complete, consumer Disagrees. Closed by XXXX Bank on XX/XX/XXXX, due to the dispute of XXXX  XXXX XXXX Charge. XX/XX/XXXX This is what I did. This is what I attest. Base on the fact, I am punished by the frauds of XXXX XXXX, XXXX committed, and XXXX XXXX delayed the dispute process for the dispute. The punishments are not only once, twice, but more than 3 times. Twice to lower my FICO scores, then denied meagering my credit card line, lower my credit card line, then finally close my only remaining XXXX credit card that was opened since 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