Consumer complaint received 2021-03-05
Company: Experian Information Solutions Inc.
State: LA
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:
I purchased the truck XX/XX/XXXX. Loan Account # On XX/XX/XXXX, the truck was involved in an accident with a fatality on XXXX XXXX XXXX. Louisiana XXXX Police towed my truck to a wrecker yard of my choice as well as the other vehicle, but a hold was placed on the vehicles due to the fatality and the investigation into the cause of the accident. 
The wrecker yard that I asked them to bring my truck to was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX Louisiana because I work in XXXX and I am familiar with that location and easy access for me during the day. As standard operating procedure XXXX XXXX XXXX mailed a letter stating that the vehicle was placed in their position due to a wreck and they copied that letter to the lienholder which is XXXX. 
I was in communication with XXXX XXXX XXXX throughout this event. It was because I was in contact with them that they called me to tell me that my bank was trying to pick the vehicle up and said that once the state police released the hold that they could not stop the bank from picking up the truck. I said my notes are paid and I do not have a clue as to why the financial institute would be trying to pick up my truck. This is odd. I had a lot going on due to the injuries my husband sustained in the wreck and tried daily to XXXX XXXX on the phone which is a task within itself. I never could get them on the phone and noticed they blocked/disabled my app that I used to pay the note on the vehicle. 
During this time, my insurance was trying to get to the vehicle to do a damage report and we were trying to find out the responsible party insurance to file a claim with them. We could not get this info until later due to the owner was the fatality in the wreck. 
After the XXXX police released the hold on the totaled vehicle, XXXX was able to illegally take possession of my vehicle which resulted in me not knowing where my property was, and they refused to tell the responsible insurance party where it was located for them to do a damage estimate. 
I got XXXX on the phone finally only by being transferred to the repossession department and was told that they took possession of the vehicle to protect their interest in the vehicle so the towing yard could not sell the property. They stated that they received a letter from the towing yard and started the process to take possession of it. Tow yard sent out their standard letter they are required to send by law and CC to lienholder and when the incompetent XXXX employee got that notice they started this whole repossession fiasco and hindered the insurance companies from viewing the automobile to do the damage estimate after the state police released the automobile after their fatality investigation. The vehicle was not even close to being in the stage where the towing yard had a right to sell anything. 
All that I am putting in this letter is a short version of a long drawn-out terror that XXXX has added insult to injury. 
During this drama I had to stay on the phone with Ally day after day only to find that they sent my truck to auction to sell it. I was able to stop the auction yard from doing anything until XXXX, which is the responsible party, could view the truck to do the estimate which was also a total loss. Keep in mind all this time my notes are paid. 
I never received one letter from XXXX telling me that they were trying to get my truck for any reason much less did I receive a letter stating they had my truck and was going to sell it at auction. It was after I got a lawyer involved and he was eventually able to drag some information out of them. They emailed him a letter that said they mailed me which the contents of the letter read more like ransom note. The only money they wanted from me was the money they paid to the towing company, the towing company they used to illegally pick up my truck and the extortion fee they called a repossession fee because they went and took possession of it illegally and then charged me for it. All they say to protect their interest in the truck. They have made it almost impossible to have the damage to my personal property settled. To this very minute they will not acknowledge the money they have been paid by insurance company and they have my account listed as closed which they closed when they picked my truck up illegally. 
The emailed letter said I broke a promise in the contract. ( by allowing it to get towed ) My experience with XXXX has been a complete and utter joke and I hope someone can investigate the whole inner workings of this financial institute. 
Important : Not one but two different insurance companies. Meaning even if the responsible party insurance did not pay then my insurance would for sure PLUS Gap insurance to cover whatever the insurance did not cover. 
WHY WOULD ALLY DO THIS TO ANYBODY? 
Ally stole my property and charged me for them taking it. 
Ally made it impossible to settle my personal property claim on time. 
Ally is falsely reporting to credit bureaus to intentionally cause harm to my credit. 
Additionally, as if what's listed above is not enough, XXXX canceled my life insurance policy and to this day I still have extended coverage on the vehicle and they will not refund my money. 
Additionally, after numerous failed attempts to have them correct their malicious behavior by removing the repossession from my credit now I have to add that they stop increasing the balance on a closed account. This malicious, obviously a standard operating procedure for them is continuing to damage my credit, health and financial situation. 

I have all the documentation needed to support my claim of XXXX malicious behavior and I am on a mission to get this corrected by sending this information to my representatives, senators, Federal Reserve, Better business Bureau which they are not an accredited member of and an attorney that handles fair lending malpractice and false credit reporting. 

For over a year I have been trying to get XXXX to correct their mistake and they refuse. 

I had no choice but to allow it to be towed due to its conditions in the wreck and the state police putting a hold on it due to the fatality in the wreck. 

Additionally, see attachments for letter and title from Ally mailing my tile and/or lien release dated XX/XX/XXXX but yet the malicious incompetent behavior of report to credit bureaus incorrectly continues to this very day and todays date is XX/XX/XXXX. Over a year later. XXXX help me to find a lawyer that is willing to help me.

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