Consumer complaint received 2023-05-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The company has several misleading information, along with valid proof that theyve submitted proving that they do not indeed have original copies of any encounter that may have taken place with me. The company had sent letters to me that I requested however these are indeed forged fraudulent documents. In these documents they are suggesting that these are original copies with the correct information, the same information that theyve forwarded as their response to my claim which proves fraudulent information that was also sent to CFPB. Im going to break down how the information is indeed false using the information sent to me from them that was dated on XX/XX/XXXX, the response letter that was sent to CFPB as well as myself and the actual original contract that I have and have had some XX/XX/XXXX. This will prove not only did they forge documents, creating a lie about whats actually owed including changing the number of payments, payment amount, finance charge, amount financed, total of payment, total sale price, payments that were made and the correct amount that was made each time. For that portion, Im still working with XXXX XXXX  which is the institute I was banking with at that time to grant me records to also prove that what was being paid is well over what was stated on the forged documents that were presented to me. Lastly, the company mentioned that I completed this transaction in person and singed documents via electronic signature. This is also invalid! Its a well known fact that any company using electronic signatures has to provide a verification code with that signature as this will prove authenticity of the forms and the date of its approval. As the company has stated in several documents that theyve presented, the encounter took place on XX/XX/XXXX. Ironically enough, theres a lot of missing information and unverified I formation on that last page that the company is stating I signed, starting with the signature. One, I did not sign electronically, two, theres no date next to my name nor was there a area to sign and print, just sign which was ironically done on a computer with no verification. Next, as I mentioned, the company did not provide a signature verification proving that I signed any documents electronically. The company did however list a code and date on the bottom of their documents that do not appear on the bottom of my documents. This document is the XXXX with a date of XX/XX/XXXX. Three year before I would even step foot anywhere near a XXXX, let alone step food in Texas. 

At the top of this document it has the code numbers XXXX which is indeed at the top left hand corner of my documents however, in my documents the numbers arent cut off as they are in the documents that were sent to me by said company bringing more suspicion to these forms, leading me to believe even more that these forms were indeed forged and that contract was taken from someone elses account, the information was replaced with my name and number were made up and placed in to try and proved verification of debt. 

On their said document which would be the Federal Truth In Lending Disclosure that I requested, their document which is supposed to be the identical page of the original has different font and size from the document I have, the name of the form was changed from Federal Truth In Lending Disclosure to Simple Interest Retail Installment Contract. Again, if this is indeed a copy of the original when did the title, font, sizing of the letters, cut of of the numbers in the upper corner and new mysterious code and date in the lower corner, change or come into effect? 

Moving on the pricing, payments and dates issue. In that area, the only thing that was listed and matched the forms I have possession of would be the Annual Percentage Rate of 16.028 % and the beginning of when payments were to be made which was XX/XX/XXXX. Every other number on the form they sent me after that was wrong! 

On their form that was sent, they listed a Finance Charge of {$10000.00}, a Amount Financed of {$20000.00}, a Total of Payments of {$30000.00} and Total Sale Price including a {$1500.00} down payment totaling {$32000.00}. Its also mentioned on their forms that were sent, 136 payments for the amount of {$220.00} starting XX/XX/XXXX and 1 final payment of {$220.00} ending XX/XX/XXXX totaling 137 payments total. However, on the documents that I have In the original XXXX folder, on the original document I have Different numbers. The following information : Annual Percentage Rate 16.028 % Finance Charge {$10000.00} Amount Financed {$21000.00} Total of Payments {$32000.00} Total Sale Price {$1500.00} down payment {$33000.00}. 

140 payments of {$220.00} beginning XX/XX/XXXX and 1 payment of {$220.00} ending XX/XX/XXXX totaling 141 payments. 

Theres also something underneath the security of interest on their page that isnt on mine. So this leads me to believe that no only do they not have the original document, but that they forged a document and sent it to me and to the CFPB lying about the information that they supposedly have on me and thats just the start of it. If they could easy crest documents and lie about accounts, it leads me to believe that this issue is an ongoing issue and has been for years. Which also leads me to believe, Im not the only one theyve done this to and this is why I began to look into this more and reach out for further assistance with CFPB and other firms. 

As I mentioned, I am working with the bank I had at that time to obtain records as theres a proven fact that the vehicle was paid down even more and higher amounts were paid to the company, not the random amounts they created on a ledger and sent to be. I also have original receipts, including one with faded information but still legible. Merchant ID XXXX Terminal ID XXXX Credit Card used XXXX XXXX Invoice XXXX Batch # XXXX Approval Code XXXX Entry Method Swiped Followed by a second receipt with a receipt number XXXX store number XXXX payment taken by XXXX although on the documents that were sent by said company, it had an electronic signature of someone named XXXX. 

This brings me to another letter I requested be sent which was the Explanation of Surplus. The company is standing on their case that I owe them {$7500.00} after the car was sold off at auction. Now as I was able to provide proof that theyve lied about the numbers, they created fraudulent documents and they are claiming that this is whats still owed. If theyre able to lie and create forged documents, how am I to truly believe that this is my debt? How am I to believe that they sold the vehicle and only received a certain amount? How am I not to believe that they received more but never applied it all to the account but instead out of greed, decided to go after more. I do not believe that the statements shared by the company is accurate as theyve already proven to myself and the CFPB that their word can not be trusted, nor can their documents. I will Not drop this matter until this company does what is right, take accountability for their actions and their lies and remove this inaccurate information from off of my account or I will continue to dig deep into this issue revealing what I believe is a scam.

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