Consumer complaint received 2022-08-20
Company: Experian Information Solutions Inc.
State: GA
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: Investigation took more than 30 days

Complaint:
I bought a XXXX XXXX XXXX in XXXX of 2021. I gave my information to XXXX to run my credit, my information was sent to XXXX XXXX where my credit was ran and I was emailed the results, the email was a summary of payment basically what the contract was going to be, the original payment was supposed to be XXXX for 72 months and the XXXX XXXX was already added to the payment, the APR for the loan was 21.53 % interest, the total, there are discrepancies on this contract I have spoken to an attorney about this situation, XXXX XXXX committed fraud, deceptive business practice, negligence, breach of contract, the email of payment summary should had match the contract, XXXX XXXX changed the term from 72 months to 74 months, and changed my payment from XXXX to XXXX a month, XXXX the total price over 74 months to XXXX dollars I have filed fraud against XXXX XXXX to the FTC, the ftc is already fining used car dealerships and finance companies for price Gauging, XXXX XXXX has already been sued for the same problems Im facing I will seek and hire an attorney and take this to arbitration, I dont appreciate deception, changing the contract to get more money, thats taking advantage of a customer I do have proof, this proof was already looked at. And the financing added together from the email it doesnt add to XXXX dollars for 74 months but still XXXX XXXX changed the terms to get more money from 72 months to 74 months and changed my monthly payment I would be happy to go to court but if they want to settle this with me thats fine, j have no problem with me or arbitration, this shows that XXXX XXXX takes advantage of there customers, I was dealing with my mother XXXX in XX/XX/XXXX, being emotional and going through all that I was going through, I had time to go over this situation Im not happy and that mad, this company needs to be investigated I will file more with the FTC on this matter thats why laws are changing I can show the CFPB that XXXX XXXX has been sued and fined for this same situation Im going through, they can resolve this situation I will provide that email that I was sent by XXXX after getting the information from XXXX XXXX on the term of contract and payment, they made this car and payment so high because they wanted more money Im not excepting what they did to me, something personal I have experienced two losses in my family my mom and step dad , I feel XXXX and XXXX XXXX took advantage and deceived me, correct this issue, I will send this information and all information to Experian, I will not tolerate no company to commit deception as what XXXX XXXX has done, you have my complaint you can call me but up front your call will be monitored and recorded thank you.

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