Consumer complaint received 2019-05-11
Company: Experian Information Solutions Inc.
State: CA
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:
I am having an issue with XXXX XXXX and XXXX, XXXX, and Experian. I have already submitted a grievance on XXXX XXXX on an illegal repossession, disputed the said accounts with XXXX, XXXX and Experian who all have yet to provide any documentation verifying the correct and valid amount for the debt owed. I never disputed the fact that I owed this amount I only required documentation from XXXX XXXX, XXXX, XXXX  and Experian because I have not received any documentation what so ever from XXXX XXXX. 

Today XX/XX/XXXX my credit report was updated adding a {$3100.00} balance increase on the closed account reported by XXXX XXXX bringing my deficiency balance from {$10000.00} to now {$13000.00}. 

I found the update odd and a possible mistake since the account in question was reported charged off between XXXX and then reported again closed between XXXX and is now as of today XX/XX/XXXX is being reported as a profit and loss write off, charged off account fixed rate, and closed. 

Today I attempted my now 5th contact with XXXX XXXX this time over the phone my goal of the call was : - To verify that the written certified letter I mailed over 45 days ago was received - To find out how much the car was sold for - And what I currently owed I spoke to 3 representatives who were very nice and beyond helpful and like on all the previous calls before they could give me any information they verified my social security number and current address on file, which happens to be the same address where the said vehicle was repossessed from. 

I first spoke to a kind gentleman first asking what my balance was and he reported to me {$10000.00} and I asked him about the credit report updated and he checked on his end and did not see that fee and had no awareness of it. During that call I also inquired how come I had not received any documentation, no mail or emails in reference to the debt owe and reported by XXXX, Experian and XXXX, nothing about the recent updated balance, nothing about the sale date of the car, nothing. He informed my that my address was never updated in the system until XXXX -- ( 2 months after the car was repoed ) and that documentation was sent to an old address they had on me. 

**Please Note : I spoke to a rep the day the car was repossessed back in XX/XX/XXXX to verify my address and contact information so I could pay my debt off and get my car back if possible my car ( I initially being a new California resident wasn't aware how laws worked here and I did not know if I could get my car back at that time ). On my the call in XX/XX/XXXX I was told to call back in 72 hours to find out the status of my car they had no updates that day. I was given an address where I can go get my belongings out of the car and I updated my address, and new job info. The address I reported that day was the same address where XXXX finance broke into my private garage breaching the peace and where they illegally repossessed the car according to California XXXX XXXX. ** I contacted XXXX in XXXX about six weeks after the XXXX asking for an update and on that call I verified my address and I was told the car was not sold. After not getting any correspondence and seeing a balance decrease I called XXXX and this time I was told the car had been sold. 

Upon my own research I found out that according to California Law I was not required to call back in 72 hours but XXXX was required to provide the following notices to me certified mail, in person or by postage : - Notice of XXXX within 48 hours of repoe - Notice before the sale at least 15 days before the sale date - Option to Reinstate the loan under California Law you can reinstate - Option to Redeem the Vehicle under California Law you can redeem - Notice of deficiency balance itemizing the gross proceeds & expenses incurred - And all Notices by be provided within 45 days to anyone requesting if in writing who's name is on the loan. 

I received nothing. I sent a certified letter more than 45 days ago requesting the above documentation and I have as of XX/XX/XXXX not received any correspondence. If in fact my address wasn't updated until XXXX like I was told today for whatever reason I sent a written correspondence XXXX requesting the above documentation and for validation of debt and today it was confirmed by 2 reps that the letter I wrote was received but I have not gotten any response. 

During the first call today with the man I spoke to my phone died and I called back to and this time was transferred to a woman named XXXX. XXXX was patient and kind and again before she gave me any information I verified my address like every call and this time updated my phone number. XXXX verified my work phone they had on file which was correct and even the contact information of my employer which were all correct. 

I then asked XXXX for my current balance. 

XXXX placed me on hold as she reviewed my account and then I was told that the loan balance reported in her system as before fees and interest charges was {$7800.00}, the original principal balance was {$12000.00} and I finally found out that the car was sold for {$4200.00} on XX/XX/XXXX and I currently owed {$10000.00}. 

I updated and verified my address several times never received any documentation of the vehicle being sold. I find many contradictions in numbers provided to me by XXXX. The difference of {$10000.00} and {$7800.00} is {$2600.00} which I assume are fees of some sort but what are those fees for. 

And if I owe {$10000.00} why would XXXX report I owe {$13000.00} to the credit bureau or why would credit bureaus report an inaccurate and unverified amount! If amount of my loan balance owed after the car was sold was {$7800.00} -- and the report on my credit is {$13000.00} is that is {$5800.00} difference! 

Also while on the second call today I asked XXXX XXXX about the certified letter that I mailed back in XXXX inquiring about the debt and requesting documentation of the sale of the vehicle and she told me that the letter was received but she didn't have to respond to me but was instead required to responded to the credit bureau not me about my debt owed -- which further more admits that XXXX XXXX not only illegally repossessed the car, never provide documentation after the repo they incorrectly reported unverified this debt to the credit bureaus whom I also requested validation from and as o f XX/XX/XXXX I have received nothing. 

According to the Federal Trade Commission website when a lender provides information to a CRA under the FCRA the lender and both the CRA are obligated to ensure the accuracy of the information furnished and being reported. It is also illegal to report inaccurate information. 

My issues with XXXX XXXX, Experian, XXXX  and XXXX - No verification of debt documents from Credit Reporting Agencies - The Credit Reporting Agencies are reporting  inaccurate debt amounts - XXXX XXXX illegally breached the people by breaking into an unauthorized key access only garage - XXXX XXXX did not provide documentation one the car was repossessed or sold - XXXX illegally reported inaccurate information to the CRA -

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