Consumer complaint received 2025-06-01 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: MI

Complaint narrative:
My credir report showed a un paid balance to XXXX XXXX XXXX. I disputed this on a crefit report previously and it remauned on my report. Recently I again disputed it learned the orrigional was with XXXX XXXX  for an account I opened and terms were not as agreed to so closed that account. An atrempt was made to charge fees which I rejected due to ipening account under false pretenses. Then Disputed with corporate who promised a full refund that I never got. Again brought this to the local office who argued I still owed apprix {$160.00}. Eventually was able to get intouch w corporate and shared infor that I received from them 3+ yrs prior. Confirmed that THEY still owed me a refund. I was sent {$28.00} by XXXX XXXX by ck # XXXX on XX/XX/year> but this was on my credit report for over 3 years impacting my scores afterI had disputed with the company and the credit reporting agaency. I finally was told the orrigional creditor was XXXX XXXX and then was able to prove that this was not owed by me but owed to me. The scores impact my credit rating, insurance rating thus amount charged and more. I did not receive interest on what was owed me or collection fees which they tried to charge me and it was actually for a credit they owed to me that was not paid.This was due from them to me because I was lied to about specific terms of the initial agreement and then sucessfully disputed with corporate who promised a refund that was never sent. I had no idea who XXXXXXXX XXXX XXXXXXXX was. I wasn't td they were collecting for XXXX XXXX until recently when I again disputed. Apparently when disputed with credit agancy previously they found it to be legitimately my account when it should not have been.There was a hardware store named XXXX XXXX XXXX in a town I lived in 30yrs ago which furthered my confusion. The end result was I was being reported negatively for amou t I did not owe and the company actually owed to me. There should be relief for the negitive impact to me and for their faure to pay to me what they had agreed to pay back to me but they defaulted and this is in addition to the added time and energy and stress required to prove I didnt owe them but they owed me wich resulted to an inaccurate collections to my credut history at the credit reporting agency and whime I received a check for {$28.00} I should have received the full amount of {$50.00} paid out and promised to have refunded. This has not been fully paid to me and I have not cashed their {$28.00}. Check. I believe I am owed the full {$50.00} refund as promised plus interest and recoupment for the negative impact of the inaccurate collections report over 3 plus years from XXXX XXXX and XXXX XXXX XXXX and the Credit reporting agency allowing it to remain in my credit file and showing as an unpaid account on my credit report for all credit inquiries to see after I disputed the amount shown as owing to XXXX XXXX XXXX. There should be compensation owed to me for that as well as a negative impact against the company ( s ) for taging my account negatively when they failed to pay the reimbursement due to me because they trued to scam me by lying about what their total yearly charge was and telking me they had already run a {$50.00} deposit toward that yearly amount I had intended to pay and it would shown on my first bill and I would then be able to pay the remaining amount agreed upon for the year. When the bill came it was more than the total bill quoated for the entire year even tho I had paid {$50.00} already after intending to pay the total and then they wanted me to pay for cart delivery and pick up when canceled due to being lied to and corporate agreed Id get a full refund but they didnt follow up to ensure the local company refunded my payment. 
I got reported for their failure yet they have no consequences for their failure and error. 
I do still have the written messages from the company

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