Consumer complaint received 2019-06-05
Company: Experian Information Solutions Inc.
State: IL
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:
Experian Report # XXXX I filed a dispute complaint XXXX and XXXX On XX/XX/XXXX, I sent a letter to Experian asking them to put a statement on my credit report regarding the dispute and they did not. 

Sample copy of the letter sent to Experian : Dear Experian : I recently disputed the accuracy and completeness of incorrect information on my credit report. Since reinvestigation has not resolved my dispute with : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX I insist that the following statement, without alterations, be included in my credit report to show the nature of my dispute for all to see : I have always paid my bills on time. On XX/XX/XXXX, I turned on the air conditioner in the XXXX XXXX XXXX vehicle that I was leasing. I noticed that it was blowing hot air. I called the XXXX XXXX dealership, thinking that I did not know how to operate the air conditioner buttons. I was told to bring the car into the dealership the next day, Friday, XX/XX/XXXX. This automobile ( XXXX XXXX with XXXX miles ) was taken to XXXX XXXX XXXX XXXX dealership service department for repair on Friday, XX/XX/XXXX, I was later told that a rock hit the air condenser and caused all the freon to run out. They said that because it was caused by an outside event, it would not be covered under the warranty. The cost would be almost {$800.00}, to repair the air condenser. 

Both XXXX XXXX of XXXX and XXXX XXXX XXXX refused to repair the air condenser defect in the automobile under the new car warranty. There was a class action lawsuit filed against XXXX XXXX XXXX XXXX XXXX for the air conditioning/compressor defect in the XXXX made vehicles that the manufacturers refused to fix under warranty. 

They also refused to arbitrate this dispute. Instead of repairing or arbitrating this dispute, they sold the automobile without my knowledge. They also sold the automobile for {$28000.00}, which was more than I owed. The total amount owed on this automobile was {$15000.00}, of which I had paid {$9200.00}, before they sold it. This debt is being shown as a voluntary repossession and charge-off. This information is erroneous. 

I have disputed this voluntary repossession with XXXX XXXX XXXX # XXXX and the credit bureaus and they have refused to delete it from my credit report. Please take this information into consideration when reviewing my credit application. 
According to the Fair Credit Reporting Act 15 USC Section 1611i, all unverified accounts must be promptly deleted. Also the Fair Credit Reporting Act 15 USC Section 1611i ( b ), states that I have the right to include the above consumer statement in my credit report. Per the Act, you are obligated to include my statement in any subsequent consumer reports that includes the disputed information. Furthermore, I demand that you include the full text of the statement in my report, without changes, alterations or summaries.

According to the Fair Credit Report Act, you are required to send me a free updated copy of my credit report including the above statement, within thirty days from your receipt of this request. This represents a reasonable period of time for completing this update. I appreciate your attention to this matter, as the addition of these credit references will more accurately portray my credit history. 


Sincerely, XXXX XXXX

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