Consumer complaint received 2019-03-03
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
The three credit reporting bureaus ( probably others which I prefer never being involved or having my information released to any more agencies ), have repeatedly reported wrong things on my credit report. This week my score went from XXXX down to XXXX doing nothing wrong. I have paid my bills on time, and because of using two credit cards with under XXXX for XXXX ( XXXX kids ), they are reporting me as having lower credit score when checking on purchasing a car. 

So I went in and looked. As a XXXX  almost a XXXX, I am appauled at this game and plan on creating a petition to shut this all down. My credit is impecable and yet we are able to give you a low score for something that was years ago that wasn't ours at all. In XX/XX/2015 we purhased an edger from XXXX. ( nothing on my charge from XXXX ), so we put it on the charge. The edger didn't work day one so we called and returned it. Now months later years later centuries later I am still seeing this on my reports across the board even though it was never our fault never our debt. 

2 XXXX XXXX  placed our mortgage as late. They never had a late payment other than they told us to hold a payment for the HARP program ( I have the application documentation that was sent to them ). Then, they told us they lost the application. We then made the payment after sending them two applications to lower our house payment. We also always paid extra on principal again they are showing us to finish this loan as originally scheduled. They also forgot to lock our loan in when getting it. It was 3 % and we requested that day locked in. The next day we called ( the day the loan was locked ), and they said we are sorry we forgot to lock it in. So they charged us for all of these years almost 5 % on a loan that should have been 2 % less. Then when they sold the loan again they stated they do not have any of our payment history. I will be contacted a lawyer and filing a law suit against this bank. They are the most unethical bank I have ever touched or came across. Some guy calls and states how can we help and plays XXXX  from their corporate office. He knows exactly what he is doing. HARP never happened and our interest is way above what it should be and the XXXX XXXX XXXX  XXXX is reporting us late. What is going on in this country. 

3. XXXX XXXX  was hooked to a XXXX or XXXX ( I can't remember it's been so long ago ) and the card would auto grab purchases through their system. We had no idea some of these things were being charged to this so called background card. Then we could never find the card online to pay or to make things right. We finally did find the information on this card and suggeted they make a simple pay button and some kind of receipt so people know it didn't go on our visa debit rather on their card. It's when they first offered this and again we paid from their XXXX. It's fine to learn as you go, but not okay to make customers pay for the banks and lenders errors. I will be starting a petition to benefit all of us paying the bills to have these offices run. We need to go back to good old fashioned " I know you and can trust you '' If not move along. This is getting to be a number nightmare. 

These three things were not on my report and boom as soon as we looked at a vehicle that I need to do my job, boom I have poor credit. I can keep my car it runs find, just getting to where I was thinking it was time. My current XXXX XXXX is running amazingly well so I guess the car company looses for the 7 % I will never pay for an auto loan. This happened in one day by looking. I will be calling my credit union to check on the original interest rate we had already been given. I hope people are placed in jail for fraud with these credit reporting problems. Federal banks need to be watched more closely as XXXX when locking in loans ACCIDENTALLY, and then LOOSING PAPERWORK for HARP, then SELLING, then the balance is off XXXX. SERIOUSLY get it together.

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