Consumer complaint received 2020-11-14
Company: Experian Information Solutions Inc.
State: MI
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 leased a brand new XXXX XXXX from XXXX XXXX in XX/XX/XXXX. After ( 3 ) times in the repair center at XXXX, they determined that a new module needed to be installed. This required the engine to be taken apart. The vehicle only had 74 miles on it at the time. I refused to take that vehicle back, and demanded my XXXX down payment back or a new vehicle. XXXX gave me a new XXXX XXXX with only 5 miles on it. 

I have paid my new current XXXX up until XX/XX/XXXX. Yet, ( 2 ) weeks ago I received an alert that XXXX XXXX had obtained my credit. They pulled a hard pull. This dropped my score ( 8 ) points. They had no authority or reason to pull a hard inquiry on my credit report. Not too much longer later in the day, I find out that there was a mix up with the paperwork between XXXX and XXXX XXXX and XXXX XXXX was demanding that a new credit report be pulled for the 2nd XXXX XXXX, even though I have had it for ( 4 ) months and XXXX XXXX has ACCEPTED payments on said account up until XX/XX/XXXX. 

Then, Tuesday XX/XX/XXXX, I get a call from XXXX XXXX stating that I am 90 days past due. I informed the CSR that I absolutely WAS NOT 90 days past due. And in fact I was PAID IN FULL AND AHEAD until XXXX. I also informed the CSR that I have PERFECT credit, and under no circumstances should I see ANY delinquency reported to my credit reports. I then had my wife call XXXX and XXXX at XXXX XXXX and inform them of the situation. Once again this is NOT a situation that is my doing. It is either the ineptness of XXXX XXXX, or the ineptness of XXXX XXXX. Regardless, it is not my fault. 

Then today, XX/XX/XXXX, I get an alert from Experian that XXXX XXXX has reported me as 90 DAYS PAST DUE to the credit reporting agencies. That has taken my score from a XXXX to a XXXX. I AM NOT past due with XXXX XXXX. I did not even have the first XXXX XXXX for more than ( 12 ) days and no more than 74 miles, before we discovered that XXXX sold us a lemon. As stated above, that vehicle was SWAPPED OUT for a new one, and NEW paperwork was submitted to XXXX XXXX. 

I am in the MIDDLE of refinancing my house. A credit report will be pulled prior to the closing NEXT WEEK., And if my scores are reporting this INACCURATE, FRAUDULENT, NEGATIVE Tradeline by XXXX XXXX XXXX and I am UNABLE to refinance my house, then I will have ACTUAL damages UNDER THE FCRA, and will have standing per SCOTUS in Spokeo XXXX 

I called XXXX XXXX XXXX, XX/XX/XXXX and the CSR, while attempting to be helpful, informed me that it is the responsibility of the Credit Reporting Agencies to address the inaccurate information, and that I would have to wait for up to 45 days. That is completely inaccurate, and a PERSON has to verify the disputes through an ACDV, and send updates through E-Osar. Yet, XXXX got no where with the CSR. 

XXXX XXXX, and/or XXXX XXXX need to fix their XXXX ups and need to fix it NOW. They have NO ISSUES taking my money! If I didn't pay my lease, they would take my car without any issues. But now, at no fault of my own, and at the fault of 3rd parties as listed, I AM PAYING THE PRICE.

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