Consumer complaint received 2018-05-24
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My problem is with XXXX formerly known as XXXX. When I purchased the car I did not know of the problems the vehicle had such as rusting due to bad weather in a previous state and it was not disclosed to me. Second issue and most important was I was a victim of Hurricane Harvey is XXXX and I lost everything, I relocated back to XXXX and the car was with me. Because of the natural Disaster in XXXX, I feel behind on payments, I contacted them for an extension and it was granted. When I call back for the paper work I was told by a rep none of that was notated, not even my call is what I was told, also I updated a telephone number where I could be reached and a mailing address where I resided until I got back on my feet.. ( how unprofessional ). 
Here is the BIGGEST issue ... 
1. ) Around XXXX the car was repossessed in the state of XXXX. The XXXX states " Youre entitled to notice of the repossession under XXXX law, and the statutory requirements for this are pretty specific, The notice must include a statement in no less than 12-point type that the lender is entitled take your vehicle without further notice or judicial process '' I did not receive a notice or any paper work. When they took the car I did not know where it was and I was not notified in anyway. 
SECOND BIGGEST ISSUE ... 
-I was notified my mail, phone, email, ANYTHING of what the intentions was with the car. 
The state of XXXX States - '' Required Notifications : Before your lender can sale your truck, they MUST notify you of their intentions. You can waive this right, so make sure you dont sign anything the lender gives you until you consult with your lawyer. See XXXX Business & Commercial Code Sect. 9.611 '' The State of XXXX states also that they " Must send you a Notice of Sale first, and a Notice of Disposition after the sale if it wants to hold you responsible for any deficiency balance '' I did not receive anything and they did not have my currently mailing address because they did not save it in the system ... My email and phone number was on file. Once again I did not receive anything. That is AGAINST the law to not inform me of the intentions with the car. In XXXX it states " Content of Notice : The notice must list your name and the collateral that the lender intends to sell. It must state how much money it would take to REDEEM or reinstate the loan. It must provide a telephone number to call to redeem the loan. It must state how they plan to dispose of the truck and tell you that you are entitled to an accountable of any debt remaining after the sale. The lender must tell you the time and place of the auction ( or other manner of sale ). Its pretty easy for lenders to follow this rule the form is listed in the statute. See XXXX Business & Commercial Code Sect. 9.613 and XXXX Business & Commercial Code Sect. 9.614. 
How could I try to redeem my vehicle without the information provided to me.. or what was done with the car. 
On my credit report it states I owe XXXX. How can you just place something on someone's report and I know nothing of what was even done with the car, was it sold, did they keep it, was it involved in a auction? My problem is that they did not go about this the correct way and placing information on my credit report with stuff I know nothing about. They went about this all the way WRONG. This company prays on people and they are such scammers. Very unprofessional.

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