Consumer complaint received 2018-09-13
Company: Experian Information Solutions Inc.
State: NC
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:
In accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract from any accounts you post my credit report. Experian & XXXX  has continuously allowed XXXX XXXX XXXX to report on my credit report INACCURATE and fraudulent information. All information per the FCRA suppose to be 100 % accurate or it must be deleted permanently from my credit report. Problem # 1 : My Credit Report ( XXXX  first attachment ) displays numerous payments that are being reported inaccurate. I only made 1 payment in XX/XX/2017 to XXXX XXXX. On the other hand XXXX XXXX XXXX confirmed only one payment being made ( see attachment # 2 initial page ) .Problem # 2 : I made a complaint to XXXX XXXX XXXX. informing them to 100 % verify that the documents forwarded to them from the dealership were forged. I never signed nor authorized for an e-signature application to be forwarded. Per XXXX XXXX XXXX. ( see attachment # 2 ) "  As to your second issue, no, we do not have sufficient information to conclude that you did not authorized an electronic application at origination. '' Problem # 3 : To confirm the dealerships credibility for verification, I made a complaint to NC Attorney General Office ( See 4th Attachment CA # 1, 2nd page ) referencing the fraudulent documents that were submitted from the dealership " XXXX XXXX XXXX '' without my knowledge of an e-signature application. XXXX XXXX based on their unverifiable information has damaged my credit report by reporting unverifiable information from a dealership ( XXXX XXXX XXXX ) who can not and will not confirm its position due to fraud and deception. For credibility purposes, XXXX XXXX XXXX of XXXX, NC represents an " F '' on the XXXX  Portal.Problem # 4 : Per North Carolina Law " Before going into the business of collecting debts for creditors from North Carolina consumers, a collection agency must first obtain a state collection agency permit. A collection agency must also include its permit number in each written communication with each consumer debtor. '' XXXX XXXX XXXX do not possess the right to collect due to their position of NOT having the proper authority to do so. Per NC Law that regulate debt collectors. XXXX XXXX XXXX has failed to provide proof of their permit via NC DOI. Problem # 5 : I made a complaint to Credit Acceptance referencing the fraudulent documents being submitted by the dealership " XXXX XXXX XXXX '' and XXXX XXXX XXXX informed me that they conducted an onsite visit at that time, which was false. XXXX XXXX XXXX never conducted an on-site visit at the dealership and can not show proof of the time, day, and representative ID # who in fact conducted such a physical investigation. XXXX XXXX XXXX has conspired to auto fraud & contract fraud do to their lack of consumer support, not able to verify 100 % the documents faxed to them by the fraudulent dealership and not able to locate the vehicle that was never returned to me by the dealership, but yet holding me accountable on my credit report of debt owed that I never signed nor authorized. See attachment # 4 from Equifax, I made my only payment in XX/XX/2017 however XXXX , XXXX is reporting inaccurate payment history that is damaging my credit rating. Referencing Experian 3rd attachment, I only made 1 payment to XXXX XXXX XXXX the other numerous payments are inaccurate and false.

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