Consumer complaint received 2024-12-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Last year, I attended a virtual timeshare presentation for a product offered by XXXX  XXXX XXXXXXXX XXXX XXXX After agreeing to try the product, I realized within the first day that it was not what had been promised. I immediately contacted the company by email to cancel the agreement, but no one responded. The following Monday, I called their office and was directed to their financial company. When I contacted the financial company, they redirected me back to Hawaii XXXX XXXXXXXX XXXX XXXX 

Seeking resolution, I consulted my attorney, who advised me to send a certified letter formally requesting cancellation. I sent the letter, but it was returned unopened. I then sent another letter without certification to avoid it being returned. Despite this, I received no response.

I escalated the issue by filing a formal complaint with the South Carolina Department of Consumer Affairs, which accepted my case and assigned it a case number ( Case Number : XXXX ). My attorney also contacted the Adjutant Generals for Consumer Affairs in Hawaii and California, but both referred the matter back to South Carolina. 

In the meantime, Hawaii XXXX XXXX XXXX  XXXX, through XXXX XXXX XXXX, reported this disputed account on my credit report in XXXX of last yearwithout providing me with any statements or prior notice. This action has negatively impacted my credit, despite my consistent efforts to resolve the matter throughout the year. 

Recently, after posting reviews on XXXX XXXX XXXX XXXX page and the XXXX XXXX XXXX XXXX XXXX page, I received a response stating that I have been the victim of a scam and that the company is not legitimate. This acknowledgment of fraudulent activity aligns with my experience and confirms that I have been exploited. 

I have submitted multiple disputes to the credit bureaus regarding this fraudulent account, but all have been denied or unresolved. I am now filing this statement as part of my efforts to remove this illegitimate account from my credit report and seek justice for the harm caused by this scam. This account has severely impacted my otherwise perfect credit history. Despite my repeated disputes with the credit bureaus, the account remains unresolved. 

I also recently discovered that my identity has been stolen, resulting in significant fraudulent activity affecting both my finances and credit history. Earlier this year, my XXXX account was hacked, leading to an account takeover. It appears the hackers created fraudulent checks, totaling nearly {$100000.00}, which were submitted to my bank. Thankfully, my bank detected the fraud in XXXX, apprehended the checks, and helped me shut down the compromised accounts. New accounts have since been opened, and additional security measures have been implemented. 

Due to this QuickBooks issue and the recent notice that Hawaii XXXX XXXX XXXX XXXX XXXX also be fraudulent scammers, I submitted an identity theft report with the FTC after making a police report as well. My reference number is : 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