Consumer complaint received 2023-08-01
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXX and XXXX has violated my rights account number XXXX and account number XXXX I need it removed right away. Law 15 use 1681 sec 602a states I have the right to privacy. sec 604 states a consumer reporting agency can not furnish account without my written instructions, 1681c states no consumer reporting agency may make any consumer report containing any of the adverse item other than the conviction of crimes which antedates the report 1681 2 a 1 person shall not furnish any information relating to a consumer to any consumer reporting agency if a person knows or has reasonable cause to believe the information is inaccurate. This account was never late even though XXXX was not given permission to obtain a loans in my personal name, I went to XXXX to purchase vehicles for my company to put on XXXX and to have for movie sets, video and television and film rentals. I specifically explained to my sales rep and financing that these vehicles had to be business loans only with me as the personal guarantor. ( P and G ) loan. I advised them if if could not be done, I had no need for the vehicles. I researched business credit vs personal credit for the last seven years and was very educated and adamant about no vehicles appearing on my personal credit report. I gave my personal info as a guarantor for the business only not a cosigner in no type of way shape or form. At the time of purchase, my credit score was high XXXX 's I had finally learned how to manage my personal credit and business credit which had an a rating and keeping the business separate. The XXXX with XXXX XXXX XXXX immediately started showing up on my personal credit report without my permission. I immediately contacted the dealer and XXXX XXXX and was told it was nothing they could do. I told them this is not what I agreed to and I would have never allowed the business car debt on my personal credit report. They kept saying well you signed and I said yes for the type of agreement I was told I was agreeing to. I did not authorise use of my personal information or use of my personal credit report other than to verify my identity and to be a personal guarantor for the business if the loan defaulted. With a personal guarantor loan vehicles do not go on your personal report at all. When I saw the word co signee I questioned it and was told at their dealer its the same as a personal guarantor. Lies and deception to get a quick sale not realizing how hard I worked to master my credit the dealership took that away from being dishonest with the excuse of we have paperwork. I did not authorise that type of loan neither would I had ever authorised that type of loan that was fraudulent. Also the vehicle was returned and paid off and they reported a false XXXX late after the vehicle was grounded and settled. I did not authorise XXXX to secure a loan in my personal name thru XXXX that was also fraudulently done by the sales rep. the vehicle has been returned and closed should not be appearing on my credit report.

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