Consumer complaint received 2016-06-22
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
On XXXX XXXX, I filed an online dispute with Experian with reference to a foreclosure obtained illegally by XXXX XXXX XXXX XXXX, on my account ( # XXXX ) and now placed on credit report by Experian. Experian failed to do due diligence in the investigation of this case as requested and in fair and objective manner. 
On XXXX XXXX, XXXX, I sent a followup letter to Experian providing a XXXX page documentation showing that XXXX XXXX acted in bad faith by obtaining the foreclosure illegally ( Obligor 's right of refusal to use trustee proceedings in foreclosure ) attached. Additionally, Experian failed to examine the documentation submitted that proved that the Timeshare has been paid in full ( Warranty Deed attached ), and that XXXX XXXX has been engaged in fraudulent and deceptive business practice with us from the inception of this agreement ( several letters and return receipts documents were attached ) to collect maintenance fees that we did not owe due to XXXX XXXX breach of the Timeshare contract. All of these documentation were provided dating back to XX/XX/XXXX and XX/XX/XXXX. The XXXX XXXX, has simply ignored our plea and used every tactics in the books to collect fees we didi not owe. XXXX breached our contract as early as XX/XX/XXXX during the only time we attempted to use the timeshare. On our first day in XXXX XXXX we found significant mold in the unit to which we were assigned with our XXXX children. We immediately went to the Timeshare office and reported the mold. XXXX XXXX did nothing to reassign us to another unit with our children. With the mold posing significant health hazard for us, we immediately left the property and never returned nor used the timeshare again. We immediately began to file several complaints with XXXX XXXX notifying them of the breach of contract by their actions to which they fail to respond or even acknowledge. We also notify them of other promises that were made during the sales and never delivered. Because we live away from Florida, XXXX has employed every tactics in the books to pressure us to pay maintenance fee for a Timeshare we never used in the 19 years and yet fully paid. XXXX has done nothing to compensate us for our loss and pain since we purchased this agreement. All they have done is pressured us to sign the deed over to them and walk away. We refused. As a result they tried to foreclose illegally in XX/XX/XXXX and we signed an obligor 's right to object to the use of the trustee foreclosure proceedings dated XXXX/XXXX/XXXX ( document attached ) without our presence. XXXX XXXX went ahead and illegally and fraudulently obtained the foreclosure without our right to present our case before the trustee. This is why we believe Experian is wrong in reporting this foreclosure on our credit records on the basis of an illegally obtained foreclosure. Because we live outside of the State of Florida, we have had difficulty retaining an attorney to secure our funds from XXXX XXXX. I believe we have found someone who is willing to take this case now if XXXX and Experian continue to ignore the XXXX page document showing the detailed complaints filed with XXXX XXXX over the years. We have also heard from XXXX other owners who have been defrauded by 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 explanation