Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: TX
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:
In XXXX XXXX XXXX is in Breach of Contract regarding my personal automotive loan and has violated the Fair Credit Reporting Act. In XXXX XXXX XXXX solicited an offer to my by direct mail for skip-a- payment. My account was in good standing at the time that I applied for the skip-a-payment. There were no constituents on the offer that indicated my account may not be eligible, but according to their own rules, my account was eligible. I paid the fees for two months skip-a- payment and forwarded the application to XXXX on their Members Solutions Team. Without correspondence about the offer and the status of my application I received two late payments on my credit report, from XXXX XXXX XXXX XXXX, for the payments that I believed were covered under the skip-a-payment application. I submitted inquiry into the matter, and XXXX mentioned that my account was ineligible and that In XXXX XXXX XXXX would not accept my skip-a- payment application, then proceeded to offer me a deferment application to help me catch up on past due payments as a result of their negligence. I filed a deferment application with XXXX from the Members Solutions Team for an additional {$50.00} USD for the deferment. 
The skip-a-payment was for the months of XXXX and XX/XX/2022, the deferment was for XX/XX/2022. I paid {$150.00} USD total. I filed a complaint with CFPB and it was forwarded to your agency. My applications for skip-a-payment and deferment were not honored and I have not yet been given full and honest disclosure. The fees were not applied, and my loan balance increased. In XXXX XXXX XXXX did not refund my money and is requiring three months of payment for past due, which only occurred because the negligence to contact me about the status of my application. After my husband filed my complaint with CFPB I noticed that inaccurate changes were made to my husband 's and my credit report. 
At this time our credit reports had dropped significantly and we accrued damages which prevented us from obtaining living quarters for our family, and from trading this vehicle for a larger one that we also needed for an added member to our family. In XXXX XXXX XXXX changed the amount of time that we have had the loan to reflect what is not the truth of what is written in our loan contract. They erased all of our payments from our credit report payment history and added them to the loan so it looks like we owe more than my account online reflects. In XXXX XXXX XXXX manipulated the credit report to reflect six months of account history with on-time payments but our loan balance increased and those payments were added to the loan, as if they are reflecting six months deferment. At time of writing this complaint, In XXXX XXXX XXXX is threatening to repossess the vehicle for contract default, but I and my family would not be in this situation if it had not been for In XXXX XXXX XXXX performing fraud, waste, and abuse and breaching our contract. They are still trying to collect on three months past due for the months of XXXX, XXXX, and XXXX of 2022. All the credit reports are reflecting inaccurate and varied history with XXXX XXXX.

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