Consumer complaint received 2019-01-09
Company: Experian Information Solutions Inc.
State: FL
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 purchased a vehicle from XXXX XXXX on XX/XX/XXXX, I did have some issues with repairs during that time the company did fix the issues, ( some and others we had to deal with ourselves ) ; however I have been having issues with XXXX XXXX reporting my loan information correctly. The first time I contacted MM was in XX/XX/XXXX and requested, for XXXX to correct the loan and monthly payment amount, they corrected the loan amount and still had the incorrect monthly payment. I was checking my credit back in XX/XX/XXXX, still was not fixed I waited and check again in XX/XX/XXXX and notice again the information was wrong with XXXX XXXX, so I contacted the business and Experian to report incorrect information on my credit with XXXX XXXX, once again the loan and the monthly payment amount was incorrect. I spoke with XXXX and she told me XXXX   have changed their reporting company due to issues, so I asked her why I have to keep dealing with this issue, she stated I wasn't the only one dealing with the issue, as if I was supposed to feel better. Then she proceed to tell me I need to contact the Credit Agency and dispute, well I had already filed the dispute twice and this would be the 3rd time  disputing. When I called Experian they told me to contact the Business, so I contacted XXXX again she was very rude, when I was telling her this information about my credit and that their company is reporting fraudulent information. Since XX/XX/XXXX Experian have tried to contact XXXX  for a month to get the correct information. Now I notice with All Reporting Agencies, XXXX XXXX loan has been closed on my crediting report, of course I am still paying and still trying to find out what I need to do to get this information corrected on my credit report and now working on getting XXXX  to report my car loan. The loan amount is currently {$13000.00} and the monthly payments is XXXX, however I pay XXXX - biweekly, never been lately or missed or payment. So now inaccurate information remains after the complainant disputes it, and now they are not reporting the information to any Credit Agency. The owner did reach out but he was asking me to send him information to show my loan amount and my credit report to show the loan is closed. If the finance department is reporting my loan information to their reporting company and the report company notifying the Credit Agency, why do I have to do their leg work? If I was late or stop paying they would rush to report. I also wanted to know if XXXX  ( private financing ) have to report the interest on my loan to the Credit Agencies, or should they only report the loan amount. Personally I feel if I am paying Loan + Interest, every thing should be reported. Thank you for your time and assistance with this matter.

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