Consumer complaint received 2025-08-30 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: GA

Complaint narrative:
Im reaching out because I reached out to XXXX XXXX in XXXX to obtain a quote for insurance. However, I did not authorize the purchase of a policy, nor did I receive any confirmation that I had been bound to a policy. 
Unfortunately, I noticed that I was charged XXXX for insurance coverage that I did not request or want. I kindly request them to take immediate action to : Cancel the policy effective the date of inception, refund the full amount of {$850.00} and to remove any negative remarks or reports related to this policy from my credit report. They stated they would remove any negative remarks from my credit report once I provided proof of active insurance coverage with another insurance company during the period in question. After submitting necessary documents, the debt collector, XXXX XXXX XXXX, ceased their collection efforts, leading me to believe that the issue was being resolved. However, upon reviewing my credit report recently, I was dismayed to find that the negative remark is still present, albeit now marked as " Paid/Settle. '' I contacted XXXX XXXX  and XXXX XXXX XXXX today ( XX/XX/XXXX ) to request that the remark be removed entirely from my credit report, as per our previous agreement. Unfortunately, I was informed that the remark can not be removed until the account is paid in full. This response is unacceptable, given the circumstances. 

The facts are as follows : 1. I did not request or authorize the purchase of the policy.

2. XXXXXXXX XXXX initial reporting of the account is inaccurate, and the subsequent change to " Paid/Settle '' does not rectify the situation. 
3. The agreement to remove negative remarks was made contingent on proof of other insurance coverage, which I provided.

Now Im writing to you guys express my deepest frustration and sense of betrayal regarding the handling of my account with XXXX XXXX. Despite numerous assurances and agreements, there company has consistently failed to uphold its end of the bargain in a timely and satisfactory manner. However, even after submitting the necessary documentation, the negative remark remained on my credit report. Although it now states " Paid/Settle, '' the issue persists. What's even more egregious now that I reached back out to XXXXXXXX XXXX XXXX there now requesting me to pay the balance in full, despite the credit report indicating " Paid in Full. '' This inconsistency and lack of transparency have caused me significant distress and financial uncertainty. I feel betrayed and scammed by the misguidance and negligence displayed by both companies. The failure to resolve this issue in a timely manner has forced me to seek further action to protect my credit and financial reputation. I am extremely dissatisfied with the way my situation has been handled, and im now requesting that youll take immediate action to ; remove the negative remark from my credit report entirely, due to the inaccuracies on my credit report, cease any further collection efforts, as I believe this matter has been mishandled from the start!

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