Consumer complaint received 2018-11-13
Company: Experian Information Solutions Inc.
State: CA
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 XX/XX/XXXX, I went info an dealer auction in XXXX , county, CA. The sticker pricewas {$10000.00} during that time my contract was reworked and ripped up 3 times. I was then to pay {$320.00} per month. Each and every month XXXX began charging me for excessive amounts up to {$580.00} per month and no justification for increase. This was a XXXX XXXX XXXX.I was  constantly overcharged repo my car once by error and they kept my money. Also several times charging me numerous late fees up 3 times in one month. They kept on over billeing me I kept paying them then finally they threaten to repo and they came and took car while I was asleep, gave me no notice to claim car back they kept car and money. I then moved to XXXX, ca and while there a year, or more I could not commute then moved to my mothers house. One day I received a note from a forwarded mail, saying I was going to jail if I did not pay them from XXXX office i called and spoke with a rep who threatened me and cursedme out. I then called the sherriffs they said no knowledge of any warrant in their database none existed. Just last week I found out a bench warrant issued for FTA in court which I had not been served. I worked 12 hour shifts and was not living where they claimed they served me. They lied to court commited perjury against me. I then discovered warrant has been issued in XX/XX/XXXX. yet XXXX harassed me way before then, told me pay or they were putting me in jail. Discovered recently that a judgement had been issued for {$2000.00}. Then, XXXX XXXX XXXX never heard of them reports that I owe them apparently they are affiliated with XXXX but my contract is XXXX. They gave me eraseable ink contract now saying {$14000.00} was original amount when XXXX was correct amount. Their judgment was issued while I was not notified of court. Also after they recieve judgement they applied for 4 insurance clsims that I put in for to repair they paid deductible then applied the money to lan never fixing the truck, they rceived over {$5000.00}. They owe me. they refuse to stop reporting on my credit even told experian and bureaus I requested a credit line and I did not and the began reporting thta I owe {$5000.00}. to them nd they wrote XXXX off and they collected XXXX in insurance after the judgment under my name. They also are in a clss action named XXXX Vs, > XXXX XXXX XXXX  regarding illegal repos. They then began not serving individuals and getting automatic judgements to prevent members from claimimg money from class action lawsuit. I am sick of them reporting bad info on my credit I have disputed them over 10 times and they keep adding money to my account increasing balance and interest is wrong also. They took insurance meant for car repair and kept and applied to loan. before the repo they took one payment for bumper damage of {$600.00} did not fix vehicle. I am tired please stop them from doing this to me and others. XXXX XXXX is located in XXXX XXXX, CA nothing but crooks. They also force placed insurance 2 policy yearly in one year and over chged me again

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