Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: NH
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
At the beginning of covid. XX/XX/2020 My vehicle was impounded for lack of registration, I had been unable to afford bills and was homeless. As i just lost my Job From the pandemic. Someone had stolen my title out of my car without my knowing. Which furthered my struggle to register. When I attempted to pay for my vehicle at the impound, I was told that XXXX was in possession of my title. I called them, and informed them that my title was stolen and that I needed my vehicle back. They released my vehicle, but not my title. Someone had taken out a title loan against my vehicle fraudulently. Within a month. 
XX/XX/2020 XXXX repossessed my vehicle. The only way that XXXX said they would give me my vehicle back and keep it from auction, would be if I accepted the loan as my own. Being as I was living out of my car at the time, I had no option. But, I wouldnt accept the loan. Over $ 10k in belongings, medication as Im XXXX, and the vehicle being worth $ XXXX, I lost about $ 24k and was out on the streets. Unable to even obtain a credit card because they were damaging my credit. I had submitted about 10 identity theft affidavits to Experian and XXXX, in regards to this, and several other is fraud issues. XXXX swiftly removed these items from my credit when the affidavit was given to them. The information that these creditors had was incorrect on me. I knew this because I had called them, and verified that their information from ; my name, my address, my government issued identification cards, even the photos that were submitted of my car and of me to verify my vehicle were fake. Earlier In That year I was in a car accident and my front left headlight was damaged. The XXXX  files of my car when the loan application was made, shows no damage to the vehicle. 
From XXXX present time- Experian and XXXX keep refusing to remove this loan from my credit history. In accordance to the FCRA, the only documentation that is required is an identity theft affidavit by me and my ID card to prove who I am, is all that is necessary to remove these items. This on top of XXXX having the incorrect information, is more than enough proof to remove these items. These employees are taking my livelihood into their own hands and behaving as though they have any right to judge whether or not these are to be removed. As far as my understanding goes of these laws, that I, as a citizen protected by the FCRA under the US constitution, have been victim of identity theft- and the Experian and XXXX employees are required to remove the items I declare as such. They bring in their ego and act as though they are judge and jury, wrongfully. Ive several recorded conversations with these law breakers, and would very much appreciate youre guidance and ability to enforce justice with the egomaniacs. They should not have the right to do this to any sovereign human beings let alone those who are protected by the FCRA and the constitution of the USA. Please contact me with any questions. I will happily forward any and all documents proving my complaint. I really want to thank you for being open to holding these reporting agencies accountable for their illegal practices. Most if not all of these employees do not even have an awareness nor understanding of the fair credit reporting act. They need to be educated, they need to be held accountable and they need to be humbled to be more aware of how damaging they are to a fellow humans life. If this is happening to me, and I know what these laws that protect me mean and define, I cant even imagine what these people are doing to those that dont have the time or energy to explore the definitions that comprise the amendments that protect them. Please helps us. If youre short on man power, and need any assistance in investigating these case and complaints, please allow me to assist. I would do this for free. Again, thank you for your time and effort. Im sincerely grateful for any precious time you put forth onto my case.

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