Consumer complaint received 2020-03-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (NJ)

I have been renting vehicles from XXXX XXXX since XXXX up today and so on. I have never stopped paying. The problem started in XXXX, when I applied for bankruptcy. Therefore, since it is auto leased, obviously I could never include it, or return it to the dealer or keep it and continue to pay each month, as I have always done because I need my own transportation. XXXX XXXX has always had direct access to my checking account, this to avoid being late in payments, is direct payment, and secure. 

As soon as I was dismissed from bankruptcy, I contacted XXXX XXXX, told them that I would continue to pay regular payments, I have never failed. There was a problem that I was not aware of, as I was about to finish the lease, I was written to from XXXX in XXXX, NJ, to buy or continue the lease, the seller was a young man named XXXX, after several hours, he told me, you have been approved to continue the lease you are a good customer, and I chose a XXXX XXXX. I never missed a payment, XXXX XXXX came into my bank account every XXXX day, and withdrew the payment every month. 

As soon as the lease of the XXXX XXXX, XXXX was about to end, I received a letter from the dealer asking me to meet with a lady named XXXX, I spent many hours there, in the end she told me, we will pay you the rest of the lease, and one month free. I was qualified for a XXXX XXXX XXXX. She told me your account is at XXXX, just continue the payments from next month. The problem started when I received a letter from XXXX XXXX, saying that I had not paid the XXXX car payment. Obviously I reacted angrily as XXXX has been taking payments out of my account every month. 

I called XXXX XXXX, reported them to the XXXX, sent proof of payments showing up on my bank account, even the bank where I have my account intervened because they were sending payments to XXXX XXXX. Until one day a lady from XXXX XXXX Collections called me and explained that when the XXXX XXXX was traded in, the dealer did not pay the entire debt for 2 months and one month was owed on that car, that they promised to pay the total amount owed for 3 months, and they did not. 
Therefore I was in default of the first month 's payment on the new XXXX car, because that payment they received was applied to the month the dealer did not pay for the XXXX vehicle. We made an agreement with this lady from XXXX XXXX, to be able to catch up, skip a payment, she said it could be done, but first I had to cancel the first payment that was due on the new vehicle, and before next month, I could skip a payment, but I had to send in a little over {$80.00}, in order to accept. Therefore, she promised not to report it to the 3 credit bureaus. I have a letter that says the same thing, because the problem was solved, caused by the lack of respect, honesty and professionalism of the XXXX dealer in XXXX, NJ. 

On or about four months ago, I decided to check the credit bureaus, I found out that XXXX XXXX reported that I owe the XXXX vehicle, reported the XXXX vehicle, and the new vehicle. I called XXXX XXXX to complain many times, until one day a sales representative listened to me patiently, and told me I will help you, and transferred me to the collection department. 
I spoke to a man named XXXX, who was very attentive and told me that he apologized for being vehicle-leased and could not be reported to the credit bureaus, that it was a mistake by one of his employees, and promised to call Experian himself. 

I asked him why it appears that I owe money from the XXXX XXXX and XXXX, if I don't owe a penny, he apologized and said I will have that report erased, in fact I offered to send him proof of those two vehicles that I don't owe a penny. Moreover, I read him payments made from bank statements, with dates and amounts that I have paid that match exactly the dates that XXXX XXXX states did not received payments. Moreover, he said there is no need, don't worry, he apologized. It turns out that before the XXXX vehicle was not now after the conversation with that man XXXX, the XXXX and XXXX cars appear in Experian. 

I have been contacting Experian, I upload Exhibits over those two vehicles XXXX-and XXXX, such Car Insurance cards, and other documents to prove that XXXX XXXX is lying, Experian has been doing nothing, either XXXX XXXX, affecting badly my credit history causing that my monthly premium is too high, and difficult to get a car loan, in different dealers. I have plan to report XXXX XXXX to XXXX XXXX, so everyone can hear the fraudulent reports the send to the 3 mayor  agencies. The Consumer protection is to protect people, we have rights, I am asking you please to help me. Thank you