Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom it May Concern : First and foremost, please know that I am not an enemy. I am seeking redress, and standing up for what is right. 

I entered into a credit transaction with XXXX XXXX XXXX XXXX, XXXX XXXX Ga, on XX/XX/2023 to purchase a vehicle for my business purposes. I purchased the vehicle under my business name XXXX XXXX XXXX. After having the vehicle for a few months I noticed that my personal credit score had decreased because of a new vehicle transaction that appeared on my credit report. 

During this time, I was in the process of purchasing a new home and was declined because of a new credit transaction that appeared on my credit report. The tradeline reported an amount of approximately {$30000.00} from XXXX XXXX XXXX XXXX also known as XXXX which negatively affected my debt to income ratio. I contacted XXXX via Certified US Mail and by phone and asked the company to remove the tradeline information from my credit report because it was not valid. And also because I never gave XXXX nor XXXX XXXX my expressed written consent to use my Social Security Number. This is considered unauthorized use and other violations under the Truth in Lending Act. The company declined on multiple occasions and acted in dishonor. XXXX later instructed me to reach out to XXXX XXXX because of multiple errors that appeared on the contract. 

When I contacted XXXX XXXX, the Finance XXXX XXXX contacted me and asked me to come in and sign a co-signer form which I respectfully declined because I had already had the vehicle for XXXX months which proved a guarantor was not needed. Moreover, the vehicle never was titled and registered. I had called and inquired several times about the registration after my second temporary tag had expired. XXXX XXXX then told me they need a few more documents in order to register the vehicle out of state. At that point I did not feel comfortable giving XXXX XXXX anymore of my nonpublic personal information because the dealership had already misused my personal information and caused me and my family a great deal of distress. 

I sent XXXX XXXX a notice of rescission which they received on XXXX XXXX via US Certified Mail, however I never received a response. On XXXX XXXX I reached out to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX to see if we could come to some type of resolution and he informed me there was nothing he could do about the situation. On XX/XX/2023 I filed a Civil Lawsuit against XXXX XXXX for dealership fraud. 

By XX/XX/2023 I started to receive calls from the General XXXX XXXX XXXX after he was served by the XXXX XXXX Sheriff Department telling me that American XXXX XXXX XXXX was allowing the dealership to purchase the contract back from them and clear me from any obligations associated with this vehicle. I informed XXXX XXXX that I would not be returning the vehicle unless I received something in writing from XXXX XXXX and XXXX XXXX XXXX XXXX stating that I would be released from all obligations. XXXX XXXX emailed me a letter which I have attached to this email, but I never received anything from XXXX XXXXXXXX XXXX XXXX. 

I also sent XXXX XXXX a letter via US certified Mail which he received on XX/XX/2023 at XXXX and informed him not to contact me anymore via phone but only via US Mail . I made this decision because I was being excessively harassed and statements were being made over the phone that deprived me of my rights. These statements needed to be documented. Besides, a company should always respond to written correspondence with written correspondence. Otherwise, one could escape responsibilities by discussing matters over the phone with no form of documentation. 

On XX/XX/2023 at XXXX while I was away from my home, a tow truck backed into my driveway and stole the vehicle with my personal belongings and other private documents inside. My security camera system caught the footage. I contacted XXXX XXXX Police Department in XXXX, GA and filed a theft report and also contacted my insurance company. I truly believe that XXXX XXXX stole the vehicle. I've already spoken to representatives at XXXX and they confirmed they had nothing to do with the theft of the vehicle. My property is in the suburbs in a secluded community where my neighbors and I have no crime issues. 

The amount of personal injury I have suffered due to the actions of XXXX XXXX far exceeds the price of the vehicle. And considering the number of transactions this dealership has made over the years, I find it offensive that everyone I have contacted has pretended to have no real knowledge of the requirements and regulations under law. I am aware that I am being deceived by way of coercion and trickery. It is imperative that someone from your company reach out to me immediately and return the property or I will be forced to take further action on the Federal Level for the maximum penalty allowed by law. I also have the right to freedom of speech and will not hesitate to reach out to the media, Department of Justice, Securities and Exchange Commission and any other agency possible to seek Justice. 

Sincerly, XXXX XXXX XXXX All Rights Reserved. Done in good faith.

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