Consumer complaint received 2020-07-06
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 status incorrect

Complaint:
I learned last week, that XXXX XXXX has listed my prior loan with them as unpaid, they marked 7 late payments and my credit score is so low, I can not get a loan. I also come to find out they archived my information when speaking to XXXX in XXXX XXXX, therefore, I now know why when I inquired about issues I researched with my car, or other ones at the time, I was exluded and told my model wasn't a part of this. As a matter of fact in most cases my car doens n't exist to anything I would have had compensation or recall repair to. The main issue at hand however, is the false information, and the fact that illegally I was sent correspondence about the repossessoin ( after 3 months in which I admit I defaulted but due to complications from a prior accident ). So 7 late payments is wrong. Further, in the State of California, you are allowed to restore your status one in a twelve month period before they can make you pay the entire loan. You may do this twice in the lifetime of the loan. I was not given this opportunity, and even thought I fought them about it, the bottom line was, they had me by the XXXX cause they had my car. So I paid {>= $1,000,000} which included all these fees and yet they have {$17000.00} XXXX not exact amount ) showing like I walked away from this. The impact on my credit score is worth over 125 points for sure, but possibly 200 because of their false number of missed  payments. What really happened was I negotiated with them to remove the entire issue in return of not suing them for forcibly making me pay close to {$20000.00} with no sympathy that I had been hospitalized. I get missing payments and late fees, I do not get when a fellow human being treats you this way. Furthermore, when I called Thursday XXXX, they were not even willing to write me a simple letter I could use for a finance lender or dealership that would have at least mentioned I wasn't some delinquent who ran from {$17000.00} which was actually closer to {$20000.00}. I wired the money by their demand to their credit dept in XXXX, IL who in turn waited almost a year to send my title back. this is my evidence of ownership signed off straight by XXXX XXXX. So they went and added 7 missed payments when it was 3, which includes the month and a half they negotiated not to do anything like this. And left me hanging. I can not get into my Experian, there is no one to talk to, it bounces me back and forth and their phone has NO WAY to talk to a human, and I'm just so happy everyone had a great XXXX, while my granddaughter and I sat inside and have to walk until something is resolved. a XXXX score which is a lower score than this error would help my credit score, and I would have at least had a loan with a high APR which I will do in a heartbeat. This is COVID-19. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. And now this? Both my jobs depend on this. Oh and by the way, I have a XXXX job that pays me nothing. Reaching out to homeless, hungry, and kids that have no resources during this time. I can not do any of this until this is resolved!

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