Consumer complaint received 2022-03-06
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Showing on Experian Nevada What shows 27 deliquencies when I provided proof that this account shouldn't have ever been an account because the dealership used deceptive sales practices, had wrong deposit that I paid not adding the additional {$500.00} I paid, had 3 separate contracts all with different dates some 2-4weeks apart from each other which is completely illegal and I provided this info to Nevada XXXX and to Experian several times showing this, Nevada XXXX also eliminated parts of the contract like the I.O.U.s from the dealership, used an off duty police officer to threaten me with car theft until I signed the paperwork under diress when I had refused after not putting my correct deposit down after they asked me to bring them more money, and the dealership had all licenses revoked by the DMV after I wrote to the DMV requesting that they be shut down over their fraudulent practices and how illegal my contract was and the DMV found that I had been truthful and accurate and their under cover investigation proved that they were doing these illegal practices & DMV said that Nevada XXXX was just as responsible for choosing to do business with them. Nevada XXXX also knew that fraudulent activity was happening because they denied the contract they first did with me citing that I didn't make enough money to afford it, my credit wasn't good enough, nor was my income ratio, and my money was actually going down in 1 month so they didn't believe I would be able to take on a payment for that much and yet the dealership gave them another contract 2 weeks later with the same vehicle and same person they denied and then they declared they needed more money down from me so that's when I was asked to provide {$500.00} more but then when they gave me the 3rd contract a few weeks after the second stating I needed at least {$500.00} more down in order to be approved for the contract per Nevada XXXX ( knowing full well that all XXXX contracts were not completed on the same date but all different dates which is illegal & they wanted the copies I had but I wouldn't give them back and when they wrote up the 3rd contract but had not added the additional {$500.00} deposit down for a total of {$1500.00} down but still had {$1000.00} down - I refused to sign the documents stating that I wouldnt sign them at all because I don't want the vehicle it's way too much for me being on XXXX and only wanted a vehicle under $ XXXX & now that they didn't put the additional monies I gave them, I refused to sign the docs. I wanted my money back and they can give me it back and I will turn in the vehicle when im given my money back. They refused & said I wouldn't ever get my money back. 1 week later they call me to tell me they have my full deposit to give me in exchange for the vehicle so I go down to the dealership and I am followed into the parking lot by an undercover cop who turns on his lights and he puts me in handcuffs for car theft and brings me into the dealership like that where I am told that if I don't sign the docs as is then I will be going to jail for car theft and that Nevada XXXX is also aware of this and also willing to press charges as well. I sign under diress and then tell them that I will be rescinding in the morning with Nevada XXXX requesting my full deposit not the fraudulent amount & I won't take this vehicle but I will sign it today only because I have no other choice. I called Nevada XXXX who told me I couldn't rescind the contract only signed the day prior under diress and I told them I wanted to turn in this vehicle voluntarily and I want my money back. I did it until the day they repossessed it and I also provided them with all the evidence along the way where they had done a fraudulent contract and it was also inaccurate with wrong deposit down, I wasn't approved for the 1st so how could I be for the 2nd and 3rd and those were illegal anyways. I wanted my money back and out of this contract. They were just as responsible as the dealership and after the DMV did their investigation finding for me and that I was creditable and that I should have my contract cancelled and all my monies returned as these contracts were all fraudulent and I was signed under diress. Also the undercover cop was paid {$500.00} to scare me and lie in order to get me to sign the documents and the dealership said that's what they did with my additional {$500.00} down payment. DMV told me that Nevada XXXX was just as responsible for my fraudulent contract as the dealership and they needed to take it off my credit report and provide me with my deposit down or any monies I had into that vehicle back to me since it was all done illegally and my dispute of it to the DMV is what got the dealership licenses revoked no longer allowed todo business in Nevada and the undercover investigation proved that this was not a lone incident but seemed to be how they conducted business on a daily basis. I gave them another contract done fraudulently that they also proved true and found several more in the investigation and during it was actually provided with fraudulent contracts when they posed as potential customers all different situations where they were also given fraudulent docs. Nevada XXXX has yet to give me back my direct deposit or take this off my credit report and they know all of this to be true. Get the info from, the DMV On the dealership and you will see all of the documentation and I already provided the 3 contracts with different dates, provided the credit denial from Nevada XXXX but then the approval of contract # 3 ( they were provided all 3 all on different dates with the same car and same customer - me and knowing that that is completely illegal unlawful and still continued to accept that 3rd contract done fraudulently after denying the 1st and when I rescinded they refused even though it was the day after I signed the documents and told them what has happened and that I was told that Nevada XXXX was also a part of it. I requested over and over that they pick up the vehicle and give me my down payment even as I was still paying payments trying to get them to handle it properly after all the damage they had already done that was no fault of mine and when I found out that they also did not even go by the fraudulent docs that they were so adamant to not cancel because they were not accurate not valid and were done by deception and fraudulent but now they weren't going by the docs where there were I.O.U.s involved where the dealership was supposed to pay for my 1st ( 2 ) payments of the vehicle and Nevada XXXX was refusing to accept the docs even though it was part of my contract and what I was told so I was set up for instant failure and not even being able to go by their fraudulent docs but now I was basically told what they were and weren't going to go by with the contract I was given that basically was to deny anything that was in my behalf so they didn't even have any docs that were being adhered to completely so I knew I hadn't paid those 1st 2 payments because they were supposed to pay for them so I stopped paying all the payments and requesting still that they pick up the car and I was doing so voluntarily in exchange for my deposit down of {$1500.00} as per the contract that was supposed to be but was not added the additional {$500.00} I provided for contract 3 & they ended up repo the vehicle and then destroying and mutilating my credit with their lies and deceptive ways and continued to do things illegally with their collections company who was working illegally and threatening me to go to jail and telling me to pay at least 1 % of the contract and they will drop all of it and I wouldn't have anything damaging on my report it will all look like I paid it off or else they are going to serve me papers and Im going to prison over this and threatening me day and night and calling g my friends and family and they refused to speak to me regarding all their deceptive practices and how they were supposed to do everything but instead all I get is them lying now stating rvegyrhing is accurate when none of it is accurate and you can tell with how they have XXXX different ways of actually sharing exactly how the account should show up within each of the credit reports and they are all vastly different. 1 shows open but shows paid off with no negatives or positives for each month, 1 shows closed with 27 negatives but after all the 27negatives it shows all kinds of positives on time payments from XXXX  to current and 1 shows closed with 27 negatives and it being sold off to another company but there isn't another company this was sold too but they have it as that and shows all the repossession every month for a ton of months when how can it keep being repossessed every month and then after that it shows like a year and a half of chargebacks for every month when how can they chargeback the amount every month when it only takes 1 but let 's be real here... If this was truly accurate then they wouldn't all be so vastly different in how they have been shown on each credit report and wouldn't keep lying about all of it to every credit report and just say that what they are reporting is accurate. Also - every time the credit reports are coming back to me with that the creditor is accurate and has told them that all reporting is accurate but aren't they supposed to prove that they have accurate reporting? Aren't they supposed to prove and provide documents to the credit reporting company that what they have reported is accurate and isn't that information due to the credit report within 30days and aren't I supposed to get all of the backup and all of the proof that they provided to the credit reporting agency and get it all within 30days from the date of my complaint and if it is not actually provided and provided within that time frame then it is to be removed from my credit report because I have never once been given the proof from the creditor that what they are reporting is accurate and true and have only been told by the credit agency that the creditor has just confirmed that it is accurate but we all know that that can't be true for every credit report since all reports are completely different in how they have been reported by the same creditor which means that all 3 are not accurate at all and have not provided proof of that accuracy to the credit reports bevause if it was, they would all be reported the same because they are stating to each credit report that they are reporting accurate and true information but they are not providing proof even though I have provided proof several times that this contract and what this creditor is reporting is fraudulent inaccurate and in fact they owe me for my down payment and should have deleted this off all of my credit reports because this contract was fraudulent and it was done under deceptive sales practices and the DMV revoked the dealership licenses for life based on the fraudulent and illegal / unlawful contracts that they processed that are all a part of this record and shouldn't ever have been an actual valid contract at all or ever put on any of my credit reports and Nevada XXXX should've provided me with my {$1500.00} down payment and deleted the contract in its entirety. I never even got the actual info when they sold the vehicle and the amount showing on this can not be true at all because its showing as if they received nothing for a vehicle that was almost brand new with low milage etc so even that part would be inaccurate if it was even supposed to be a repo the actual amount is completely incorrect and it says that after being sold that I still owe over $ XXXX when I was never given any of that info on the sale of the vehicle but was told at one point that it was sold for almost as much as I paid for it and was only a difference of a few thousand dollars but regardless its still not supposed to show as a repossession as I gave this up voluntarily and asked for this to be rescinded the day after I signed under diress when I had handcuffs on being told I would be arrested because I didn't know any better and they took advantage of me being naive. So where is all the documentation they provided within that 30day timeframe that shows that they provided accurate information and where is it for the other 2 credit reports and why is it that they are allowed to just say that it is but not provide proof like its supposed to be and they are supposed to also provide it to me and no one has, not them and not any of the reporting agencies so I would say that since nothing was ever proven by them within the 30 day time frame and they never gave out proof to any of the agencies and not to me either than this needs to be taken off all of my credit reports immediately because they didn't provide the proof that it was accurate to me or the reporting agencies and the reporting agencies all have different info reported as accurate so all reporting agencies need to take this off my credit report for all of them immediately since they didn't provide documentation proving accuracy. Plus I provided proof that it is inaccurate and they did nothing with that but allowed the creditor to just lie and stated that its true without providing any documentation within the 30 day time frame that is allowed and only just gave verbal approval without giving any evidence and documentation especially after I provided documentation showing that they do not have accurate information and that this was fraudulent and should be taken off all my credit reports immediately. This is so wrong from all credit reporting agencies to not follow this and not make them provide the documentation but allow them to just claim they are accurate and thats ok???

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