Consumer complaint received 2023-08-27
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX, My husband and I financed a vehicle through XXXX XXXX XXXX. During the loan XXXX XXXX XXXX  illegally activated a remote disable device on my vehicle preventing medical transportation, and violating state pandemic protections. XXXX of Illinois executive order number XXXX to be more precise. 

In XX/XX/XXXX, my husband and I fell ill with XXXX. Unable to properly access healthcare, because of issues with transportation his XXXX unfortunately relapsed and he now requires permanent XXXX and XXXX which he will have to be on for the rest of his life. 

We notified XXXX XXXX  of our hardship due to the pandemic and the financial burden it had caused. We voluntarily surrendered the vehicle on XX/XX/XXXX, as instructed. However XXXX XXXX XXXX  unlawfully garnished my husbands wages without notice or a valid court order. Then a month later they returned a portion of what they had his job garnish. To this day we're still confused as to how they came up with the amount question why the amount and why the return of a portion of it. We asked them in our certified letter to explain this as well. Before sending the certified letter to XXXX XXXX, My husband made a call to the XXXX XXXX  office to request information on the amounts stated on our credit files. We wanted to know if the vehicle was sold because if so, we werent given credit for it, as well as questions regarding the wage garnishments. The woman he was speaking with in the finance office, literally laughed when my husband was trying to explain his illness. This is very discerning. She referred to him as not being truthful about his XXXX and the XXXX issues we experienced. Not only have they violated so many laws and regulations but to laugh at someone being seriously ill is beyond comprehension as well as professionalism. 
CFPB recently filed a lawsuit, XX/XX/XXXX, against XXXX, an auto loan company, for illegally activating devices that prevented borrowers from starting their cars. XXXX XXXX did the same exact thing to us 2 times during XXXX. We weren't XXXX hours late even. Yet they went against the XXXX 's order and shut our car off leaving us no way to seek medical attention during the pandemic! 

We disputed this improper debt collection and requested validation, which XXXX XXXX  failed to provide, violating the FDCPA. The invalid repossession also continues damaging both of our credit unlawfully. 

XXXX XXXX willful disregard of the FDCPA, state debt collection laws, wage garnishment laws, and pandemic protections have unjustly harmed us. I request an investigation and enforcement action against XXXX XXXX for : - Illegally disabling my vehicle during state pandemic restrictions- Unlawful wage garnishment without notice or court order - Failure to validate disputed debt as required by federal law - Inaccurate credit reporting and wrongful repossession notation, collections - Lack of response to consumer complaints and violations

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