Consumer complaint received 2020-12-15
Company: Experian Information Solutions Inc.
State: VA
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX Experian Disputes Department XXXX. XXXX  XXXX, XXXX, TX XXXX ( mailed and uploaded on Experian website ) Re : Final Dispute, Urgent, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX Experian Credit File, XXXX XXXX, DOB XX/XX/XXXX To Whom It May Concern : Ive tried my best to be patient and refute an unlawful line recording on my Experian file. Experian has repeatedly affirmed third-party information that is insufficient and unverified as your evidence to keep this, violating my rights to fair credit reporting, year after year. 
I've already iniated the process to sue XXXX XXXX XXXX for violation of Virginia state and federal laws. I request that Experian take the following steps immediately : 1. Please provide me with copies of the original sources for the items reported by XXXX XXXX XXXX, before the latest date allowed by law. This includes contracts and service agreements they claim I signed and the truth in lending disclosures. This request is made pursuant to my rights under Section 609 under the FCRA ; 2. This loan was and is unlawful and thus unenforceable in its prolonged, false and unfounded reporting, but also in its origination and continued demand for payments. Per Virginia law, section 6.2-303. ( Effective until XX/XX/XXXX ) Contracts for more than legal rate of interest, as well as Virginia Law Section, 6.2-303. ( Effective XX/XX/XXXX ) Contracts for more than legal rate of interest ; 3. The initiating entity that worked as an intermediate party to XXXX XXXX XXXX is no longer in business connected to their unlawful operations ; 4. The automobile was not repossessed but was surrendered voluntarily as faulty because it was not drivable and repairs that were required ( but not revealed at the point of sale ) cost more than the vehicle. As such, I returned the automobile with an understanding I wouldnt be responsible for future payments. Two mechanics stated it looked to have water deterioration, common of cars at the site of hurricane/flooding. 
If the aforementioned requested material is not available, please know the validity of the XXXX XXXX XXXX entry can not be established. Please remove them from my credit history. The negative impact this reporting had on my life is immeasurable. I tried to fight back but lost my daughter a year before and was disoriented because of my state of mind. XXXX XXXX XXXX and their partner dealership exploited my mental and emotional condition and have continued attempts to collect on this illegal loan. 
Thank you for your time and attention to this urgent matter. I hope this can be resolved quickly and fairly because Ive exhausted all attempts and Im now proceeding to legal action. 

XXXX XXXX XXXX XXXX I've contacted Experian and only Experian, month after month and year after year and they leave the item on and " investigate '' within a minute. They are notorious for this and I've emailed, called and uploaded and no one responds!!! 

This matter has been ongoing since XX/XX/XXXX, nearly 7 years later. This is enough. 

Cc : Law offices, Virginia Attorney General,

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 non-monetary relief