Consumer complaint received 2022-11-02
Company: Experian Information Solutions Inc.
State: NC
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:
I wrote to XXXX certified mail return receipt on XXXX ( letter attached ) requesting all of the required repo notices they were supposed to give me for the repossession in XXXX  They wrote me back and said they did not have my current address on file even though my current address is where they repossessed the car at in XXXX. XXXX did not send the notices I requested ( see letter from them ). 

I called them on XXXX and requested all of legally required notices as I stated in my letter. I told XXXX, the charge off rep, that XXXX was required to give me notice they were going to sell the car. She provided me the attached Notice of Disposition and Our Plan to Sell Property from XXXX via email, but sent me nothing from XXXX  I also told her XXXX was required to give me notice of the date, time and place of the auction and allow me or my bidder to bid on the car at a public auction or if a private sale, they were required to give me the date of the sale. I have proof of the call where XXXX states they are not required to give me a notice of when they sell the car even though I told her it is required in XXXX ( attached screenshot of law from XXXX Attorney General website ). I asked her to email me all notices they have regarding my repo, before and after repossession, but she only emailed me the 2 attached notices. The Explanation of Calculation of Surplus or Deficiency notice that states my car was sold did not even have the amount on it that is on my credit report. There is an amount before expenses ( {$9500.00} ) and an amount after expenses ( {$10000.00} ) and neither of those reflect what is on my credit reports ( {$9900.00} ). I monitor my credit through Myfico and have provided screenshots of all 3 reports and what is reported. The date of last payment, last activity and other information is also wrong on all XXXX of my credit reports. XXXX is in violation of federal statutes regarding providing me notices surrounding the repo and reporting incorrect information to the credit bureaus. I sold my house in XXXX for a large profit. Had I been given written, required notice of the pending sale of the car and been given notice of when/where the car would be sold in public auction, I could have purchased the car in cash myself or sent a bidder. Or they should have given me notice of the private sale date. 

I disputed the XXXX account on all 3 credit reports on XXXX. XXXX, Experian, and XXXX are all in violation of federal statutes regarding accurate credit reporting as well. I am applying for a mortgage, and this illegal reporting of this XXXX account is the only thing stopping my ability to get a mortgage. The only remedy I will accept is full deletion of this XXXX account from all 3 of my credit reports. XXXX ( XXXX ) has been sued many times and in class action lawsuits and are known for inaccurate and illegal credit reporting. Also, all XXXX credit bureaus make it very difficult to dispute accounts. I tried 6 or 7 times to upload documents for the dispute on XXXX, but kept getting an error message to try again later or submit the dispute without documents. This goes against consumer rights because the reporting companies may deny my dispute without the pertinent documents I tried to upload. Also, all 3 credit companies have tiny file sizes for uploads and limited file types. They purposefully prevent consumers from uploading proof to support their disputes which harms consumers including me. On Experian, I was only able to upload XXXX letter as proof ( XXXX total size for uploads ) and on XXXX, I couldn't upload what I needed due to the only XXXX size and no screenshots allowed. This allows the creditors to not delete information because the 3 credit bureaus are preventing adequate proof from being uploaded.

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