Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

Complaint of Dispute Resolution BLUF : Bottom Line Up Front To Whom it may concern, As I write this, I find myself very frustrated and upset to share with you the results of my dispute with Experian Credit Agency, identified above and uploaded for your review. [ DOC # XXXX ] My Complaint is briefly described and followed in a timeline of events backed with applicable documentation indicating a long, disheartening, and expensive history. 

The basis of my Complaint starts years ago with my reluctance of buying a XXXX XXXX XXXX ( XXXX ) XXXX. The documents provided will detail a trail of correspondence between XXXX and my wife and me. The process to terminate our contract with XXXX was a nightmare. It began with being stone walled then took months to finalize our termination of the contract which started in XX/XX/XXXX ending in XX/XX/XXXX. 

The period between XXXX and XXXX was reported as Delinquent by XXXX to the Experian Credit Report Agency XXXX Additionally included was XXXX and XXXX being reported as Delinquent indicating F or Foreclosure as the reason. XXXX XXXX XXXX XXXX included the Experian Credit Report where the XXXX derogatory with Foreclosure details were identified as a critical problem in finding a Lending Institution to work with us. 

My explanations shared with several Lenders fell on deaf ears of delinquencies were indicated since no payments were being made once XXXX agreed to Canceling our Contract ( XX/XX/XXXX ) plus, our agreement included a Deed in-lieu-of Foreclosure NOT a Foreclosure. To appease the ill feelings, I requested XXXX to clarify their report and they responded stating its status as a Voluntary Surrender and NOT Foreclosure. The problem now was Experian wanted to verify the information XXXX sent us. 

This path ends with our response to the dispute filed against Experian saying they believe XXXX reported accurately. For over XXXX  years of working hard to make ends meet I have always made paying my debts on time a priority. Im not perfect but a closer look at my credit report reveals a conscientious person with a credible background. The folks at Experian could care less about using the power it has proven by their brief unqualified response. 
Look The fact alone XXXX themselves answered my dispute clearly stating my report reflects a Deed in-lieu-of Foreclosure proves our contract was based on my interest in XXXX being secured by a Deed which needed to be surrendered to satisfy my debt. Sure, the reported delinquencies may be valid however in reality would you continue to make payments on a vehicle if the Seller already said he would be working on canceling his contract with you? In my defense XXXX agreed to start the process of cancellation of my contract on XXXX 

I believe Experian should really look at the entire picture and realize why the delinquencies are there and agree no Foreclosure was involved. If anything, remove that F designation from their report so Lenders will work with us. 

Thank you for listening. Please respond as soon as possible. 

XXXX XXXX The timeline of events More than XXXX  months ago my wife and I applied for a cash out loan with XXXX XXXX XXXX XXXX XXXX. As a result of their pulling our credit report through XXXX XXXX XXXX XXXX we learned of a Derogatory Account reported by only XXXX of XXXX Agencies they pulled Credit Report ( CR ) data from. The Account was for XXXX XXXX XXXX  ( XXXX ) in the Experion CR. [ DOC # XXXX ] The issue in question was the Experion CR ( page XXXX of XXXX ) showing our XXXX Account was XXXX days late between months XX/XX/XXXX through XX/XX/XXXX then as in a status of F-as Foreclosure. Note that all months prior to XX/XX/XXXX showed as Current. 

What happened to cause these entries fer XXXX by Experian? 

I personally contacted a Customer Service Representative of XXXX by phone early in the week of XXXX. I wanted to discuss several complaints and how unhappy I was with my decision to enter contract # XXXX to become a member. 

I draw your attention to uploaded [ DOC # XXXX ] dated XX/XX/XXXX, ( Letter from XXXX denying our request to cancel contract, in response to ) and [ DOC # XXXX ] dated XX/XX/XXXX ( My letter was based on the phone call with XXXX, requesting to cancel the contract ) Unhappy with the XXXX denial letter, I proceeded to write and send a second letter of my own to clarify what I had seen as XXXX ignoring my complaints and focused on the contract. They inferred my problem was with the contract and not what led up to the signing of the contract. See [ DOC # XXXX ] on XX/XX/XXXX, uploaded for your review. 


Then XX/XX/XXXX, I received an offer from XXXX to Cancel our Contract and stating related requirements to do so ... see [ DOC # XXXX ] The following month XXXX provided details related to an Agreement to Cancel the Contract see [ DOC # XXXX ] dated XX/XX/XXXX. Also, some instructions to cancel the contract were included. 

The following documents, [ DOC # XXXX ], [ DOC # XXXX ], and [ DOC # XXXX ] are specific to the requirements, provisions, and completion to terminate the contract by Deed in-lieu-of a Foreclosure. 

[ DOC # XXXX ] was a dispute letter I sent to XXXX with an intent most of all focused on the incorrect status added to delinquent months XX/XX/XXXX and XX/XX/XXXX as marked with a F indicating a Foreclosure while reminding them the Account itself labeled as Voluntary Surrender. I personally understand as to why the monthly status was reported as Delinquent I provided documentation indicating between XX/XX/XXXX through XX/XX/XXXX we were in the process to cancel the contract and that was why no payments were made. 

[ DOC # XXXX ] XXXX response to my dispute letter focused only on the fact our account WAS NOT ended by Foreclosure but by Deed in-lieu-of.