Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Here is my story : I have always paid my bills on time over the years and know how important it is to have a good standing with others as I always try to give others my best. However, there are XXXX accounts that I paid into over the years that brought me tremendous pain and suffering as a XXXX senior on a fixed income. The companies, XXXX XXXX XXXX ) _ and XXXX XXXX ( XXXX ) have caused me a heavy burden of despair, stress with my health, and financial hardship due to high interest rates and replacements for the inadequate services and products, which became faulty and costly over time. Something that I received in return is not fair to me as a person who has worked hard all my life and deserves the best in return. In the past, I have been a victim of Identity theft so contacting the company first made sense to me. However, both companies have turned my account over to other entities. I have a right to at least ask for verification. Is there anything wrong with that? 
Once I removed both companies from Direct Deposit with my bank, I received an email from XXXX XXXX that a fee would occur if you sent payments in via postal mail. As a senior, I feel we should always have this option. 
XXXX decided during this time to send an email to notify the XXXX takeover, something that should have happened sooner from both companies who decided to merge. So, are gone the days that we can no longer try to resolve our differences and speak to people like humans with significant issues? How do we know who to contact after we have tried reaching out to the original creditors? 
On XX/XX/XXXX, I decided to send both companies a Request for Hardship Discharge Due to Unjust Business Practices certified letter because I could no longer afford it and believed that you always try to reach out to whomever you have issues with and try to resolve things equitably. However, to no avail did I hear back from anyone besides receiving intimidating and unprofessional people calling me continuously, which led me to believe that the companies had no integrity to respond. Or who are these individuals with names other than my original creditors who have my information? 
On XX/XX/XXXX I sent the companies a XXXX XXXX XXXX requesting validation of the accounts, and once again I was ignored by them until I received a response from XXXX XXXX XXXX XXXX  ) on XX/XX/XXXX who sent a very vague overview of copies and an accusatory letter that I requested monetary compensation when indeed I only requested a resolution to be considered toward subpar products and services I endured. I do not request money from people, I have integrity and try to collaborate with them to resolve things equitably. 
As my credit score plummeted, two of my accounts, XXXX and XXXX XXXX cards decreased my credit limits and XXXX told me this information concerning my account triggered them. I reached out to Experian to initiate a dispute and attached my correspondences in the hope that they would do a full investigation but after 4 days they sent me an email with a link to my report that was hard for me to understand fully. Nothing was indicating their findings, and it was incomplete. 
After reviewing my full report, I sent all three agencies a letter on XX/XX/XXXX, showing discrepancies because the report was not accurate, and I do not think this is fair to me at all. Neither do I feel that Experian exercised a thorough investigation on my behalf. ( Please see Letter to Remove Inaccurate Credit Information, I sent this to XXXX and two of the other agencies ) I sent XXXX a Cease-and-Desist letter on XX/XX/XXXX because the phone calls and emails had become intolerable at work. But this continued until XX/XX/XXXX. 
However, they did send me a letter dated XX/XX/XXXX, stating that my account was in default of {$6900.00}. 
Lastly, I am enclosing pertinent information leading up to this event and I am truly hoping that you can unravel this and help me. What happened was not right and it is a challenge to not let it affect my health trying to keep up with it all. I feel sorry for seniors who get taken advantage of who are not computer-savvy, nor who have a voice, or a listening ear. 
We matter too. 
Thank you for hearing my story, I hope it will help others. 
Sincerely, 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