Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: AZ
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 To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit report you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 



My name is XXXX XXXX XXXX. My social security # is XXXX and my date of birth is XX/XX/XXXX. Enclosed please find a copy of identification as proof of identity and current mailing address. 



I demand to see verifiable proof ( ie. Original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA unverifiable accounts must be removed and if you are unable to provide me a copy of the verifiable proof you must remove the account listed below. 

I demand that the following account be verified or removed immediately. 



I respectfully request to be provided proof of this alleged item, specifically the contract, note of other instrument bearing my signature. 



Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last two years for employment purposes. 



Additionally, please provide the name, address and telephone number of each credit grantor or subscriber. 



Under the federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well to be provided to me within fifteen ( 15 ) days of the completion of your investigation. 



In addition, please remove all non-account holding inquiries over 30 days old. Also please add a promotional suppression to my credit file. 



Under the federal law you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well to be provided to me within fifteen ( 15 ) days of the completion of your re-investigation. 



Thank you, XXXX XXXX XXXX XXXX XXXX sent me a copy of the repossession letter which is included with this formal demand letter. It advises the vehicle was repossessed XX/XX/XXXX and the repossession status is listed on my credit report. I was sent the repossession letter from XXXX who represents XXXX XXXX. The letter was received by me on XX/XX/XXXX. XX/XX/XXXX I called XXXX XXXX and spoke with XXXX again and she advised me XX/XX/XXXX she got a notification that the vehicle was not picked up nor seized and that I had called XX/XX/XXXX and was advised to contact my local police department. I did not call Credit Acceptance XX/XX/XXXX, the last time I spoke with XXXX XXXX was XX/XX/XXXX when I obtained the repossession letter and my phone records I am attaching proves that I did not call XXXX XXXX XX/XX/XXXX which gives me reason to strongly believe this representative of XXXX XXXX not only accessed the auto loan file without my knowledge but also without me on the phone which is violation of my personal information and not under any circumstances shall an individual other than the consumer enter and work in a consumers file without their knowledge, presence nor authorization and it just goes to prove even more that the account has not been accurately documented within XXXX XXXX file because I have had several situations with them when information advised to me before this was not documented ( ie. When I spoke with XXXX in the XXXX XXXX XXXX Department, she advised me when I contacted her about the vehicle fuel line busting the same date of purchase XX/XX/XXXX and the motor blowing up XX/XX/XXXX less than 30 days of date of purchase that XXXX XXXX could cancel the auto loan and make the dealer take the vehicle back and she said we just had to take the vehicle to multiple shops for inspection and if it is deemed as a non-fit vehicle then they would cancel the contract. We did just that and then contacted XXXX and she then advised she had to no way of cancelling the contact which is obviously not what she had advised prior ( multiple times ) so I asked for her supervisor and I spoke with him and I told him to listed to the past phone calls that way he could hear that I was advised multiple occasions that XXXX XXXX could cancel the auto loan. The supervisor called me about XXXX weeks later and he said he did not hear her say anything about cancelling the contact which is a lie if ALL of their calls are monitored and recorded ) I was also advised from the supervisor a lot of the conversations XXXX and I had were not documented with the information discussed and given. I purchased the XXXX XXXX  online and the before purchase the vehicle was in an accident as well as failed emissions twice, the second time was right before it was purchased by me and the other party on this auto loan XXXX XXXX XXXX which at the time of purchase was not disclosed to us from the dealer XXXX XXXX. 



Now back to the recent phone calls with XXXX XXXX, I called XX/XX/XXXX and I spoke with a representative named XXXX in the redemption department and she advised me I needed to speak with the repossession department and she transferred me and I was connected with a woman named XXXX and she then told me they all of a sudden did not have the address on file where the vehicle was repossessed from which is not true because I provide them with the address several times in the past. Yet now XXXX XXXX advised me they no longer have the address on file. I asked her for the repossession company 's name and phone number and she refused to give me their contact information and then advised me, I am only able to give you that information if you are trying to get the car back I told her I would like the phone number so I can reach out to them since XXXX XXXX is claiming to all of a sudden not have the vehicle yet I have the repossession letter. XXXX XXXX is also reporting an incorrect balance of {$15000.00} and the correct balance was {$13000.00} which is the amount signed for with the contract as well as the auto loan is reported under the wrong address XXXX XXXX XXXX XXXX. I have the repossession letter from XXXX XXXX, XXXX XXXX is claiming they now do not have possession of the vehicle and they are reporting this vehicle as a repossession on my credit report as well as XXXX XXXX XXXX XXXX credit report. 



The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. Together with the Fair Debt Collection Practices Act, the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in XXXX, and is enforced by the U.S. Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants. 



Consumer fraud, as defined by Arizona law, is any deception, unfair act or practice, false statement, false pretense, false promise or misrepresentation made by a seller or advertiser of merchandise. In addition, concealment, suppression or failure to disclose a material fact may be consumer fraud if it is done with the intent that others rely on such concealment, suppression or nondisclosure. Merchandise may include any objects, wares, goods, commodities, intangibles, real estate or services. 



XXXX XXXX XXXX, XXXX of the largest U.S. subprime auto lenders, has agreed to pay {$27.00} XXXX to resolve claims by Massachusetts ' attorney general that it misled investors and made high-interest loans to borrowers that it knew they would be unable to repay. XXXX XXXX has multiple lawsuits for their negligence and not abiding by the law.

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