Consumer complaint received 2018-05-08
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Step 1 : What is this complaint about? I made complaint for investigation to the major credit reporting agencies, to investigate a credit union 's neglect to reflect a {$600.00} down payment against my car loan. They were supposed to provide an investigation, giving both sides a chance to answer back, and all they did was take the credit unions information and closed it. Not only this, but the credit reporting agencies have conflicting information regarding amounts.

Step 2 : What type of problem are you having? My credit report shows negative balances. I am trying to get a credit card and improve my score, but it's not happening so easy. I also tried to negotiate with the credit union and failed, them saying to go to the collection agency.. I tried to negotiate with the collection agency and failed. They both refused to deal with me to start small payments, in trade with removing it from my credit report, so that I could work it out without it continuing to affect my credit report. They both said they can't remove anything from the credit report. They neglected to post a {$600.00} cash down payment against my {$3000.00} car loan, and the figures show me saying the truth. They also were refusing to cooperate with fixing the problem, which is why I quit them altogether. It didn't look like it was ever going to resolve. On the same day I began to let them know of a bad figure in my loan history, I had made the final payment on my personal loan with them, and that did not reflect either. They also refuse to provide statements upon request. 

Step 3 : What happened? I should have won. The result of the investigations showed differing figures from XXXX 's investigation and of Experian 's. XXXX 's saying my monthly payments were {$89.00} per month, and experian 's saying they were $ XXXX.for the same payment period. It is obviously inaccurate, as I said, but neither company took any further responsibility to remove them from my report. The credit union only provided payment schedules showing monthly amounts, dates and when it went into the red. I needed the terms of the original contract, the interest percentage, and the down payment, -- the math for and the resulting original amount of the car loan, all reflecting in their report, and that didn't come through. 

Step 4 : What company is this complaint about? XXXX, Experian and XXXX. None of these companies will take the responsibility to remove errors of dishonesty from your credit report, even with proof.

Step 5 : Who are the people involved? XXXX XXXX XXXX is the Creditor. XXXX XXXX XXXX is the collection agency. I worked with XXXX XXXX until there was a waiting time, and quit paying. XXXX is who we had requested an investigation from. I began myself with Experian and XXXX. Again, nothing, and no cooperation when I tried a second time, them saying that it had already been investigated.

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