Consumer complaint received 2021-07-02
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX and XXXX XXXX XXXX a vehicle and the due date was requested for the middle of the month.Finance mgr XXXX XXXX XXXX XXXX, sales mgr XXXX was AWARE of the unchanged issue prior to driving out.Came back to returned the car multiple times instead they try to correct the WRONG DUE DATE AT THE DEALER.THEY CLAIMED IT WILL BE CHANGED TO THE XXXX OF THE XXXX XX/XX/XXXX UNTIL XX/XX/XXXX THEY STILL BEEN REPORTING THE INACCURATE DUE DATE AND NOT ASSISTING ME TO GET IT CHANGED.I BEEN CALLING THE CORPORATE # WITH XXXX FINANCE BEEN DISPUTING IT AND FINALLY GOT A CALL BACK FROM A NAME XXXX XXXX THAT STATED IT WILL VE RETROACTIVE BACK TO XX/XX/XXXX AS THE 1ST PAYMENT DUE DATE AND SHE WILL CORRECT THE CREDIT REPORTING DATA OR HAVE IT REMOVED. ALSO, SHE HOING YO PUT THE XXXX AND XXXX PAYMENT AT THE BACK OF THE LEASE AGREEMENT AND NO PAYMENT IS DUE UNTIL XXXX.YET, XXXX XXXX IN XXXX XXXX TOLD ME NOT TO TRADE BACK IN THE VEHICLE TO THE DEALER BACK ON XX/XX/XXXX SO THEY COULD GET THIS WRONG DUE DATE RESOLVED AND BACK DATED CORRECT DUE DATE ON CREDIT REPORT AS WELL.IT WAS NEVER DONE.THEY GAVE ME A REF # ON XX/XX/XXXX @ XXXX TO LEFT THE VEHIC LOOK E AT XXXX XXXX DEALERSHIP THEN XXXX XXXX CALLED ME AND SAID DON'T LEFT THE CAR OR TRADE IT IN BACK.GIVE HER UNTIL XXXXTHAT MONDAY TO RESOLVE THE REPORTING AND FIX THE LATE MARKERS OFF MY CREDIT.SHE NEVER CALLED BACK.I CALLED HER SEVERALLY AND XXXX XXXX ANSWER AFTER THEY PICK UP THE CAR ILLEGALLY AND SHE STATED THEY SHOULDN'T AND SHE WAS HANDLING IT AND SHE DID IN FACT MOVE BACK WRONG DUE DATE PAYMENT AT THE BACK OF THE LOAN AS SHE STATED ON XXXX SHE WOULD DO SHE STATED.YET, ITS BEEN OVER 2MONTHS ONGOING DISPUTING THIS ILLEGAL FRAUDULENT PAST DUE REPORTING OFF MY CREDITXXXX XXXX STILL REPORTING INACCURATELY ON MY CREDIT OF STILL OWEING OVER {$35000.00} WHICH IS FRAUDULENT CHARGES.I PAID WAY OVER 4PAYMENTS OF {$990.00} PLUS THE 1ST PAYMENT AT THE DEALER SINCE ITS A LEASE FOR XXXX MONTH.YET, THEY STILL REFUSED TO RESPOND TO SEVERAL REQUESTS FOR CORPORATE HEADQUARTERS TO GIVE ME A CALL SINCE THEY CLAIMED THAT THEY WILL SELL THE VEHICLE AND SINCE THE VEHICLE IS WORTH MORE GHAN {$42000.00} AS WHAT WAS OFFERED ON XXXX AT XXXX XXXX XXXX DEALERSHIP TO BUY BACK THE CAR. THEY CAN NOT TAKE THE VEHICLE BACK INVOLUNTARILY BEYOND MY BACK AFTER THEY ALREADY AGREED TO RETROACTIVE BACK ALL OF THE INACCURATE DUE DATE THAT WAS SHOWING THE 1ST OF MONTH.WHICH SHOULD HAVE BEEN XXXX OF THE MONTH STARTING XXXX AS PER XXXX XXXX CALLED OVER 100 TIMES OR MORE STILL THEY DID NOT DO ANYTHING.THE DEALER CALLED SEVERALLY FOR CORRECT PAY OFF THEY REFUSED TO GIVE CORRECT AMOUNT SO THEY CAN PURCHASE BACK THE VEHICLE AT {$42000.00} SINCE IT WAS WAY LESS THAN THE AVERAGE MILEAGE USED.FINANCE MGR TOLD THEM I CAN NOT KEEP THE VEHICLE NO LONGER THERE OR THEY OF TO GIVE PAPER WORK FOR THE VEHICLE SINCE THEY REFUSED FOR THE DEALER TO TAKE THE LEASE BACK IN AS A TRADE.THEY TELL ME AND DEALER THEY WILL CONTACT ME. YET, THEY NEVER DID AFTER PROVIDING THE REFERENCE # FIR THE PICK UP FROM THEM OR ALLOW THEM TO PURCHASE THE VEHICLE BSCK SO THE CORRECT DUE DATE C AS N BE UPDATED.THEY TOLD ME TO GO HOME AND THEY WILL HAVE SOMEONE CALL ME AND THEY CAME ON PICK UP THE VEHICLE WITHOUT NO CALL INVOLUNTARY ON XXXX AND REFUSED TO TAKE OFF THE LATE MARKERS OFF MY CREDIT. I NEVER BEEN LATE, DUE DATE WAS NEVER UPDATED, BALANCE MUST BE XXXX, TRADE LINE WAS NEVER REMOVED OFF AS THEY STATED SINCE THEY SHOULD NOT HAVE PICK UP THE CAR INVULANTARY AS WHAT XXXX XXXX STATED ON XX/XX/XXXX AND AFTER THEY PICK UP THE CAR BEHIND HER BACK AS WELL WHILE SHE WAS TRYING TO FIX THE DUE DATE ISSUES THAT WAS BEING REPORTED INACCURATELY FOR THE PAST 3MONTHS ON ONGOING.KEEP IN MIND I PAY WAY BEFORE THE XXXX OF THE MONTH PLUS THEY CLAIMED YOU HAVE 15DAYS AFTER THAT. YET, THEY WENT BEHIND OUR BACK AFTER GIVEN US A VULANTARY REF SURRENDER # SINCE THEY REFUSED TO MAKE THE XXXX XXXX TO BUY BACK THE LEASE FROM THEM TO CORRECT THE ISSUES.THEY INSTEAD WENT AND GET THE LEASE VEHICLE AND STILL REPORTING MORE THAN TGE ACTUAL RESIDUAL AMOUNT OF HALF OF THE ORIGINAL PURCHASE AMOUNT THAT SHOW LESS THAN {$26000.00}. NOW ITS BEEN OVER 60DAYS ONGOING AND THEY STILL DID NOT UPDATE THE BALANCE TO XXXX SINCE THE LEASE VEHICLE WORTH WAY MORE THAN WHAT WAS ORIGINALLY LEASED AND CONTRACTED WHICH THEY FRAUDULENTLY BEEN REPORTED WRONG EACH MONTH FROM XXXXTHE VEHICLE AMOUNT IT SOLD FOR IS STILL NOT DISCLOSED TO THE CREDIT REPORTING AGENCY NOR ME AND ITS BEEN OVER 60DAYS NOW ONGOING.I CALLED ACTUAL EVERYDAY AND KEEP GETTING THE RUN A RUN EACH TIME.THIS IS RIDICULOUS, THEY NOT RETURNING MY CALL NOR SENDING ANY ACCURATE IPDATE OF WHAT THE WAS SOLD FOR AND REMOVED ALL THE WRONG DUE DATE MARKERS OF EVER BEING LATE OFF CREDIT REPORTS AS WHAT BEEN DISPUTED MULTIPLE TIMES WITH ALL AS GENCY EVERY MONTH. THEY REFUSE TO COMPLY WITH ME OR THE 3CREDIT REPORTING AGENCY AS EXPERIAN KEEP REQUESTING AN ACCURATE TRADE LINE UPDATE AND STILL NOTHING AS YET.THIS BEEN REPORTED FRAUDULENT DISPUTED CHARGES FROM XXXX WRONG REPORTING EVERY MONTH UP TO NOW BALANCE STILL INACCURATE. NEVER OWE OR EVER BEEN PAST DUE. THIS WAS A LEASE AND I DON'T GOT THE CAR NOR LIABLE FOR NO FRAUDULENT CHARGES THEY ARE STILLING REPORTING. THERE MUST NOT BE NO PAST DUE AMOUNT SHOWING ON MY CREDIT. NOR NO REPOSSESSION/ FORCLOSURE AS WHAT THEY BEEN REPORTING FRAUDULENTLY AND HARASSING MY CREDIT FROM XXXX WITH ALL FRAUDULENT INACCURATE INFORMATION REPORTING EVERY MONTH. THEY NEED TO PROVIDE ACCURATE DATA OR REMOVE THE TRADE LINE IMMEDIATELY NOW. I BEEN CALLINGSEVERALLY TO THE CORPORATE # AND SPEAK TO SEVERAL SUPERVISORS AND STILL NO CORRECT UPDATE TO REMOVE ALL FRAUDULENT REPORTING OFF MY CREDIT REPORTS IMMEDIATELY. I WILL SURELY NEED YOUR URGENT ATTENTION IN THIS MATTER NOW.XXXX XXXXXXXX IS THE WORST COMPANY OR FINANCE COMPANY TO EVER THINK TO DO ANY BUSINESS WITH. THEY GOT TGE LEASE VEHICLE BACK YET THE CREDIT BALANCE NOT CORRECTED, THE WRONG DUE DATE NOT STILL CORRECTED BACK TO THE XXXX THE 1ST PAYMENT DATE.THEY VERY RUDE AND DISRESPECTFUL. NO CALL BACK AND THEY KEEP HANGING UP ON ME.ITS BEEN OVER XXXX THE VEHICLE BEEN SOLD NOW. YET THE BALANCE REMAINS INACCURATE. ALL LEASE MONTHS PAYMENT NOT SHOWING EITHER.WICKED SET OF PEOPLE. I NEED MY LIFE BACK NOW.

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