Consumer complaint received 2023-04-15
Company: Experian Information Solutions Inc.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
XXXX and XXXXXXXX XXXX XXXX failed to investigate thoroughly and violated my consumer rights. I never used the funds of XXXXXXXX XXXX XXXX XXXXXXXX loan charged to me through XXXX. XXXX has reported a charge of {$900.00} to my Experian credit report, and XXXX failed to validate the debt with my original signature on this loan contract. I have contacted XXXX and XXXX since last year, and they could not take any accountability. I have sent them evidence and proof that I was charged for a product I never received nor used. 

XXXX A car reservation made through XXXXXXXX XXXX XXXX XXXX was canceled. 
XXXX XXXX accepted the loan through XXXX despite the car rental reservation cancelation and the buyer 's protection plan purchase. 
XXXXXXXX XXXX XXXX  company refused to refund the money I never received towards a canceled car rental to XXXX and reported a charge to my credit report. I have attempted countless times to resolve this issue with XXXX and they claim that I have not provided sufficient evidence to support my case. 

Team XXXX XXXX via spmailtechn.com Tue, XX/XX/2022, XXXX to me Creating journeys that matter Hello, We hope you will have a lovely experience wherever XXXX XXXX you. XXXX XXXX XXXX will be waiting for you at the branch. 
XXXX XXXX XXXX XXXX DRIVER NAME : CAR GROUP : XXXX PICK UP DETAILS Where : XXXX Date : Fri, XXXX XX/XX/ XXXX  XXXX XXXX DROP OFF DETAILS Where : XXXX Date : Fri, XXXX XX/XX/ XXXXXXXX XXXXXXXX XXXX XXXX XXXX  Number of seats : XXXX - XXXX seats XXXX  : Automatic TOTAL : XXXX USD SEE YOUR RESERVATION You will receive an email with further reservation details. Please note that this may take up 48 hours. If your reservation is within the next 48 hours, we will prioritize sending your details before your pick-up time. Hope you enjoy your ride. 

Team XXXX XXXX Fri, XX/XX/ at XXXX Prepayment : Counter : Protection Plan : Peace of Mind : TOTAL : XXXX USD XXXX USD XXXX USD XXXX USD XXXX USD Date : date for car rental reservation pickup : Fri, XXXX XX/XX/ XXXXXXXX XXXX  a XXXXXXXX XXXX XXXX  Fri, XX/XX/, XXXX to me Creating journeys that matter YOUR RESERVATION IS CANCELLED Your reservation is canceled. 



Mon, XX/XX/ at XXXXXXXX XXXX Reply-To : Your loan 's confirmed! 
Hi, XXXX has processed your order, and your XXXX loan is now confirmed. 
We'll send you payment reminders and account updates via email and text, and you can access your account at XXXX. 
Your Loan Breakdown With XXXX, you'll never have to pay compounding interest, hidden fees, or unexpected costs. What you see is what you'll pay! 
{$920.00} Loan amount The amount of credit you borrowed through XXXX  {$960.00} Total of payments The amount you will have paid after making all scheduled payments {$45.00} Finance charge The amount this credit will cost you Your refund has been processed by XXXX and applied to your loan through XXXX 
Sign in to view the details of this refund. 
Refund Details Refund amount {$56.00} Refund date XXXX denies issuing the refunded amount above. The Trip Cancellation Coverage was purchased in the reservation. XXXX cancellation policy states, If you have purchased Trip Cancellation Coverage, you will be fully refunded minus the Trip Cancellation Coverage fee when canceling 6 hours before pick up. The car rental reservation was canceled 8 hours before pick up.

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