Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, California, XXXX XXXX XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Subject : Formal Complaint Against XXXX XXXX XXXXXXXX for Mismanagement of Auto Loan No. XXXX and Failure to Honor Settlement Agreement Introduction : I, XXXX XXXX, am filing this complaint against XXXX  XXXX XXXX regarding the mishandling of my auto loan ( No. XXXX ), which was exacerbated by their lack of understanding and accommodation of my circumstances, particularly during a period of significant personal distress in XXXX. 

Narrative of Events : In XXXX, during a time of considerable personal and professional upheaval, I faced an issue where a contractor unlawfully retained possession of a vehicle leased to my startup under the aforementioned auto loan. Despite my efforts to resolve the situation and continuing to make timely payments, XXXX  XXXX XXXX charged off the vehicle, complicating the matter further by not repossessing it. This action left me responsible for the balance while the contractor continued to use the vehicle without my consent. 

Efforts to negotiate with XXXX  XXXX XXXX for the dismissal of the account and its removal from credit bureaus, due to their errors and the unique circumstances of the case, were initially met with agreement. However, XXXX XXXX XXXX failed to uphold their promise, leaving derogatory marks on my credit report. 

Mental Health Considerations : The period of XXXX was marked by significant mental health challenges for me, which deeply impacted my ability to manage these financial disputes. The lack of guidance, foresight, and understanding from XXXX XXXX XXXX not only failed to accommodate my condition but also exacerbated my distress. 

Violations and Requested Resolution : Fair Credit Reporting Act ( FCRA ) : XXXX  XXXX XXXX 's failure to accurately report the status of my auto loan and to investigate disputes as required by the FCRA has unjustly impacted my credit report. 

Americans with Disabilities Act ( ADA ) : The bank 's lack of accommodation for my mental health challenges, affecting my ability to manage and dispute the auto loan, may constitute a failure to provide reasonable accommodations. 

I request the following from the CFPB : A thorough investigation into XXXX  XXXX XXXX 's handling of auto loan No. XXXX, including the charge-off process and failure to honor the settlement agreement. 
Immediate correction of any inaccuracies on my credit report related to this account and removal of derogatory marks stemming from XXXX  XXXX XXXX 's errors. 
Monetary compensation for the financial and emotional distress caused by these issues, acknowledging the impact of XXXX  XXXX XXXX 's actions on my mental health. 
Enforcement of policies that ensure XXXX XXXX XXXX and similar institutions provide adequate accommodations for customers facing mental health challenges. 
Conclusion : The handling of my auto loan by XXXX  XXXX XXXX has not only resulted in financial harm but also significant emotional distress, compounded by my mental health condition. I urge the CFPB to take immediate action to rectify these injustices and hold XXXX  XXXX XXXX accountable for their failures. 

Sincerely, XXXX XXXX