Consumer complaint received 2018-08-20
Company: Experian Information Solutions Inc.
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:
Experian is not cooperating with me on my dispute that I have disputed multiple times with. The company is XXXX XXXX XXXX they have gone after me for a vehicle for a XXXX   which I have told them multiple times that I am no not the responsible party of this vehicle. It belongs to my ex-husband my ex-husband has been asking for information on this vehicle to pay it off this information was given to me over the phone by XXXX XXXX XXXX XXXX  themselves but they stated they did not have an address on him I asked if the letter was sent by mail or by fax. They stated it was sent by mail and I said okay so it had to have come in an envelope that what I had the address on it. They said for whatever reason the person didn't scanned it in I gave them the address and all the information to where my ex-husband was. I also advise them that I was never at any point supposed to be on the account I am not a cosigner I am not the owner at one point XXXX XXXX XXXX told me I was the owner of this vehicle then they turn around and told me I was a cosigner I asked him multiple times for paperwork on this vehicle which I have been denied because they said I'm disputing it as not being mine there for the rights to the paperwork I have no rights to. But yet it's on my credit report. XXXX XXXX XXXX is the owner of this vehicle he wrote me a letter apologizing for the mishap and forging my name on the vehicle I gave this letter over to XXXX  who then pass the information to XXXX  within immediately of 30 days they got it removed and resolved for my credit report Experian is the only credit Company who is not cooperating. Neither is XXXX XXXX XXXX they are not following the laws by the fair credit Act. This has put a strain on my credit I have been judge harshly and not been able to get approved for credit. Upon which I went over the Call of Duty and try to figure out as much information on this vehicle as possible eye contact the dealership and was told by the dealership that they don't have any records of this vehicle. I also don't know if they filed a XXXX on this dead as a result of me telling them that I am not the responsible holder on this debt however when questioning XXXX XXXX XXXX again I was told it was none of my business very boldly and rudely I made it very clear to them at that point that this is not my debt I have no responsibilities to the debt the responsible party has reached out to y'all I've gave you his address and I want this off my credit report they're telling me that I have to file a police report I did not have to file a police report I was advised by the officers that I can report it with all three bureaus which I have done I have taken every step responsible and handling this situation I was advised by the police officers that I report is not necessary. This is clearly being handled very neglectful lately. I don't even have the proper paperwork on this vehicle to try to even dispute it all I know is it's on my credit report is causing most harm.A XXXXXX/XX/2012 I later found out the vehicle was sold at auction lower than XXXX XXXX value they could have made your money off of the. However this company XXXX XXXX XXXX has shown to be neglectful and not only want area but four different areas. Number one that could have got their money back off of auction. They were uncooperative and resolving the issue regarding getting it off my credit report. Number 3 the responsible party is willing to work with them and cooperate with them but they have failed to cooperate and give him any information on the account as well as me. Number for we suspect they signed it off the taxes as a forgiving account but did not give anybody knowledgement of this.

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