Consumer complaint received 2023-05-16
Company: Experian Information Solutions Inc.
State: TX
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:
The reason for this claim is XXXX has been marking my account as NOT PAID since XX/XX/XXXX to CURRENT! I am a XXXX XXXX old who is trying to build my credit, but I can't because no one will loan me anything because of this lease on my credit report. I have tried to reach out to the company and have not gotten anywhere. They are a SCAM and need to be shut down. 

So here is what happened! And before I start, I am going to advise that I have done as much of the leg work that I could possibly do. I have called XXXX, I have asked them to stop reporting, but they will not. I have emailed everyone I can get an email for. But now I need help. I need help! I have emails from the dealership, the claims rep with XXXX, XXXX to show proof that they are reporting inaccurate information. 

On XX/XX/XXXX I signed a leasing agreement from XXXX for a XXXX XXXX XXXX motorcycle. I bought this motorcycle from XXXX XXXX in XXXX, XXXX. Everything was fine, I was making my payments until XXXX XXXX XXXX. I stopped making payments because the bike was wrecked on XX/XX/XXXX. We reported claim on XX/XX/XXXX to XXXX ( XXXX XXXX ). The rest of what happened will be followed in XXXX XXXX 's words which is the claims adjuster with XXXX : I will attach his email to the form so you may see for yourself. 

Claim was reported on XX/XX/XXXX by XXXX XXXX My first contact with moto lease on XX/XX/XXXX to obtain a payoff amount as the bike was declared a total loss. I was informed by the representative that they would not be able to accept payment because they did not have the title. 
I first contacted the dealer where the bike was purchased on XX/XX/XXXX, owner stated that he still has the title as he had not been paid by moto lease for this bike and XXXX others as well. I asked him how much was owed and he gave me {$13000.00}. 
XXXX with XXXX with XXXX XXXX  on XX/XX/XXXX to advise of situation, she stated she will send a note to management for a resolution. 
Payment to XXXX for positive equity was sent on XX/XX/XXXX Called dealer on XX/XX/XXXX to see if loan had been funded, he stated it hadnt been funded as of yet, he stated every time he called XXXX XXXX they told him next week. He stated he is holding the titles as that is his only leverage in this situation. 
Made another call to moto lease on XX/XX/XXXX spoke with XXXX again, she stated she didnt see a response from her prior inquiry to the issue. She escalated issue again. 
Follow up to XXXX XXXX on XX/XX/XXXX, XXXX stated it has been escalated and still no response from management or funding group. 
There were a bunch of calls between XXXX and XXXX to XXXX XXXX however it was more of the same in regards to no updates. 
I called dealer and spoke with owner on XX/XX/XXXX and asked if I can resolve the issue directly with him, he stated that would be fine and he agreed to {$10000.00}. I send him over info to sign the title and he signed and returned I issued payment to XXXX XXXX  on XX/XX/XXXX for {$10000.00} So as you can see this bike was paid off to the DEALERSHIP because the FINANCE company had not funded the bike .... All XXXX  wanted was the title, so he paid whoever had the title. 

I am also going to attach the emails that I have sent to XXXX and copied in XXXX with XXXX XXXX and XXXX in the email. 

Please help me as this is not right and these people need to be stopped. 

Thank you

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