Consumer complaint received 2020-03-22
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I disputed this account with Experian and XXXX XXXX XXXX XXXX on XX/XX/XXXX the company is inaccurately reporting information to my credit report and continues to report late payments on a repossessed auto loan, not only has this company taken $ XXXX from me but when hit in a time of hardship repossessed my vehicle and sold it. Somehow after paying them $ XXXX in the past two and a half years I still owe them $ XXXX and they have no sympathy for my situation and took and sold my vehicle. Now they are inaccurately reporting to the credit bureau and making my credit score decrease. The company has not returned my personal property even when I have requested information on how to retrieve it. When I asked them to send me a detailed description of the amount I owe because it does not add up and a record of sale of the vehicle they stated that it would cost {$10.00} for them to do that. This company has such terrible business practices and does not care for their loyal long term customers. You would think that when someone pays you {$500.00} plus fees a month over the course of two and a half years youd work with them. I always have made the high overpriced payments every two weeks and when I fell behind i always got the loan caught back up. This company harasses me everyday for their money, but Ill tell you like I told them, THEY WILL NEVER SEE ANOTHER DIME FROM ME AFTER THEY REPOSSESSED MY VEHICLE. So either they stop reporting fabricated information to the credit bureaus or I will sue them. They should be shut down for their unfair practices, I was XXXX years old when I signed a loan with them, not once was I under the impression I would be paying $ XXXX for a XXXX vehicle with XXXX miles on it. I was under the impression the loan was for $ XXXX all together and according to XXXX the salesman the loan would be paid off in two years, after reading my loan documents a couple months after purchasing the vehicle I noticed a page that XXXX did not put much attention to, it stated over the life of my loan Ill have paid $ XXXX for a car with XXXX miles on it that was XXXX years old. That is downright ridiculous, I could have bought a brand new car for that amount of money. I am so frustrated with this financial burden and I truly hope nobody else is ever put in my position by this company BUYER BEWARE on XX/XX/XXXX XXXX XXXX XXXX XXXX sent ME an email stating I was {$600.00} behind on my payments, but they reported to Experian that in XXXX I was only {$300.00} behind, then when I disputed that and the fact that the vehicle has been reposed they certified to Experian that the information is accurate when I have hard evidence that it is not. I have submitted my evidence to Experian and am waiting for their response. Liars and thieves thats all XXXX XXXX XXXX XXXX is, thats all they ever have been since I have had a loan with the company they just lie and lie and lie. Unfair business practices, unfair interest rates, and unfair pricing on vehicles.

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