Consumer complaint received 2019-08-16
Company: Experian Information Solutions Inc.
State: MA
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:
This is a complaint against XXXX XXXX XXXX XXXX and Experian as follows : I received a notice from XXXX XXXX dated XX/XX/XXXX, notifying me of forced placed insurance that I was charged for the period of XX/XX/XXXX to XX/XX/XXXX against my loan and wherein they requested proof of insurance for that time frame. ( see attached ) I subsequently provided the proof of insurance via email to XXXX XXXX on XX/XX/XXXX. The attachments hereto show the insurance declarations page for the policy period of XX/XX/XXXX to XX/XX/XXXX. I also provided a copy of the letter from the insurance company indicating cancellation of the policy with an effective cancellation date of XX/XX/XXXX. The policy was canceled by me ( I believe over the phone ) because the car was repossessed, and I believe I made that phone call on or about XX/XX/XXXX. Since the forced place insurance occurred prior to that date during a 6-month period during which I had insurance coverage, I am entitled to reimbursement of those monies for the unauthorized, force-placed insurance as well as to corrections to my credit report and penalties. XXXX XXXX must pay me in cash those amounts. I am not a collection agency, and this fraudulent forced-placed insurance was not a contract. As such, they owe me that money in hand, not as an offset to my loan!!!! Because the monies were fraudulently charged against my loan, they dont get the benefit of control over how those monies should be paid and/or applied. 

XXXX XXXX continues to send robo emails to me requesting the insurance information that I have already provided many, many times, in many follow-up emails. Their robo emails always indicate they have forwarded my information to the appropriate department, and then as always I hear nothing further from them! I even received a letter from the Office of the President in early XXXX requesting a 10-day extension to respond, and I still nothing. 

So far, XXXX XXXX has failed to provide me with accounting information I have demanded on my loan, including the information as to the money charged for the forced placed insurance, and they have failed to provide a refund of those monies. Despite my numerous demands, XXXX XXXX has failed and refused to update my credit report even though I have provided them with proof of the insurance. 

This a deliberate, continuous and knowing failure by XXXX XXXX to update information on my credit report even though they know the information is inaccurate and has been inaccurate. Everyone in the country knows about XXXX XXXX force placed insurance scam, and this has been going on for years. There is absolutely no reason XXXX XXXX could not have remedied this accounting and false reporting on my credit report long ago when the insurance scam came to light in the public eye! Instead, they sat on their hands for years and sent me the notice only a few months ago, likely after having been forced to do so by the regulatory authorities. 

If I had known about this all those years ago, I could have done something about this on my own behalf. 

I disputed the balance due with Experian and had informed them of the forced place insurance and the inaccurate balance due, but they came back with an indication that the account is valid, and they did nothing to help me and provided no explanation.

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