Consumer complaint received 2021-04-13
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 information incorrect

Complaint:
XXXX XXXX purposely exposed my partner and me to an egregiously high-interest rate and loan repayment on a late model vehicle. When I became sick with a rapidly advancing XXXX two-years after the loan repayment schedule began, I requested the loan be leveraged and the vehicle returned to XXXX to avoid repossession. XXXX refused to allow me to return the vehicle and instead illegally repossessed it from the garage of our home which sits on private property. 

I was left without a vehicle and XXXX quietly began harassing us for repayment. At the time, due to my illness, I was unaware that XXXX had a class-action suit against them for abusive and aggressive lending practices to vulnerable populations such as those earning lower wages, minority communities, the elderly, etc. Just last year a collection agency stating they were working on behalf of XXXX, began contacting us stating they would take a partial payment and cancel the remaining debt. Eventhough I was still recovering and needed one more operation, we scraped together the monies, totaling nearly {$6000.00}! All three major credit bureaus still are reporting excessive amounts due and that the account is written off. 

We were promised this debt would be settled and removed. It has not and XXXX states they refuse to remove it. They are reporting all types of monies due from $ XXXX to $ XXXX, depending on the credit report. Even if I look on XXXX XXXX the amount due is different than what each individual bureau reports it to be : XXXX  - {$35000.00} reported as total due as of XX/XX/XXXX Experian - {$37000.00} reported as total due as of XX/XX/XXXX XXXX  - {$25000.00} reported as total due as of XX/XX/XXXX Several attempts have been made through the 3 major credit bureaus to rectify and/or remove this erroneous data! How could we owe {$10000.00} ( +- ) on the exact same day? I was humiliated while nearly sick unto death. We asked XXXX, under the right to cancel the loan due to illness or death, to return the car due to XXXX under the terms of our agreement, but XXXX refused! I tried reaching out early on to ask for support to keep the car for our family 's needs but finally had to concede to request to return the vehicle as they refused any changes to the contract - even legitimate ones! The court has found XXXX guilty of excessive interest loans and we are proof of that. We joined the class action suit against them in effort to rectify this matter! Our auto loan was over {$1000.00} per month! So we could not possibly owe the funds they claim as XXXX XXXX knew we were vulnerable because of my XXXX! Please reinforce fair credit practices and make them remove these ridiculous, excessive and cutthroat charges from my credit profile!

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