Consumer complaint received 2020-04-22
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/2019, I purchased a vehicle from a XXXX XXXX in Maryland. I initially was going with XXXX XXXX XXXX ( XXXX ) for the loan. However, I chose to go with a different financial institution. Toward the end of 2019, I began receiving statements from XXXX which I took as an error. I then began receiving notifications from Experian that XXXX reported that I was 60-120 days past due on the payment on a loan I never had. I contacted Experian twice to dispute these charges. The first time Experian did not find in my favor which baffles me as I provide all the information required. Furthermore, if they looked at the VIN numbers for the XXXX XXXX Loan and the reported XXXX Loan as I suggested, they would have seen that the numbers were the same. Therefore, that should have alerted Experian that there was an issue. When a consumer has to go through what I have been through because of these large companies, it does not give the consumer much faith in the creditors. 

I contacted XXXX but I was only able to speak with the collections department. The first person I spoke with was very rude and told me to contact the credit bureau to straighten it out. I called again and spoke to someone else in collections and they recorded the situation and said she was escalating it to another department. The " other '' department was then going to call me to rectify the problem. Needless to say, I never received a call. 

I then contacted the XXXX XXXX management and the general manager and finance director also made several attempts to rectify the situation as well but did not get far with the XXXX XXXX. The liaison even told the finance manager that I would receive an AUD number that could be shared with creditors. The AUD number was to inform the creditors that there was inaccurate information ( I believe ). I never received this information either. The dealership provided me with a timeline of their communication to XXXX about not funding the loan. The timeline began back in early XX/XX/2019. There was additional talk about a check being sent to me from XXXX, which was never the case. 

The fact is XXXX processed a loan in my name on this vehicle that was already financed through another financial institution. XXXX has falsely reported statements to the credit bureaus. XXXX has caused me stress and XXXX and increased XXXX episodes. XXXX has caused my credit score to take a huge hit and reduced my credit worthiness significantly. 

Ive recently received a letter from XXXX stating my account had been reviewed ( my second request ) and found that there was an error and an update would be sent to the credit bureaus in 30 to 60 days for the corrected information to reflect on my credit report. It took them one day to damage my credit and I dont feel it is fair to allow a company to place false reports and just walk away without some repercussions. They're actions had an adverse reaction to my livelihood and XXXX   shouldn't be able to say oops and walk away.

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