Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Accordance with the FCRA Experian is in violation of 15 U.S. Code 1681, S-602 right to privacy and violation of. 15 us code 611 ( a ) ( 3 ) ( A ). The loan was RESCINDED, sent documentation. 
XXXX XXXX XXXX  VIA CERTIFIED MAIL, RETURN RECEIPT REQUESTED From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RIGHT OF RESCISSION Dear XXXX, XXXX, I, XXXX XXXX , Original Creditor, hereby RESCIND my consent to be liable or compelled to perform on to the contract. This RESCISSION notice is made Pursuant to 15 U.S. Code : 1635 was never told I had 3 days to rescind the agreement I entered with XXXX XXXX on XX/XX/XXXX. 



I entered into this contract agreement with XXXX XXXX in which violated a consumer : Failed to disclose all my rights clearly & conspicuously as a consumer including but not limited to my right of rescission.

Transparency regarding the process of the consumer credit application being the asset ( 12 CFR 360.6 ( 2 ) ) 3. Violated the American Disability Act with Fianacial abuse by tricking me into a bad investment 4. Overcharged the price of the vehicle, I was charged XXXX Used XXXX XXXX XXXX XXXX selling prices range from {$5900.00} - {$14000.00}. Get a more accurate value for your car with the XXXX appraisal tool. 



5. the down payment, filing fees, interest, dealer fees, APR , taxes etc. should have ALL been the sum of the finance charges 6. Overcharged on APR, I was charged 13.295 % - The legal maximum in XXXX  is 6 %, but can be 8 % under a written contract. 











XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Number # XXXX RIGHT OF RESCISSION I, XXXX XXXX , participated in a consumer credit transaction and not a loan ; Pursuant to 15 U.S. Code 1602 ( I ) ; Take further notice that Pursuant to 15 U.S. Code 1605, the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, which was never disclosed to me by your organization in direct violation of this law. I have reason to believe that XXXX XXXX willingly and knowingly took advantage of me and my consumer credit.

I am NOT terminating or canceling this contract. I am deducting my liability to pay on behalf of the obligor, as I have found several violations and fraud. Notice that Pursuant to 15 U.S. Code 1635 ( b ) : upon receipt of this rescission, I am not liable for any finance charge or operation of law, becomes VOID upon such a rescission. 



In addition, XXXX XXXX also accepted a down payment of {$1400.00}, XXXX registration fee {$180.00}, State title fee {$100.00}, Surcharge Fee {$34.00}, Electronic Registration Fee {$12.00}, Security Interest Filing Fee $ {$20.00} violating 15 U.S. Code 1605 which clearly states : The finance charge does not include charges of a type of payable in a comparable transaction. Charged additional fees Pursuant to 15 U.S. Code 1611 ( 1 ) ( 3 ) ; one can be fined up to {$5000.00} or face imprisonment for up to one year, or both, for giving false or inaccurate information or fails to provide information which is required to disclose. Fined {$1000.00} for each violation, ordered to reimburse double the finance charge listed in the Truth in Lending Disclosure. In this case you, XXXX XXXX, willfully violated this law when you failed to overcharge, disclose, and provide all information clearly to me as a consumer.

Notice that Pursuant to 15 Code 1635 ( b ) : upon receiot of this rescission, I, XXXX XXXX, am not liable for any finance charge or other charge, and any security interest becomes void effective immediately.

Take further notice that 20 ( twenty ) days after your receipt of this notice, you must return any money or property given as earnest money, down payment, incurred APR interest, reimbursement of fees that was included within the finance charge, or otherwise, an shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction and placed on the property which in this case is a CAR ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the creditor shall reimburse the obligor for the following listed below : Down payment - {$1400.00} XXXX  Registration Fee- {$180.00} State Filing Fee- {$100.00} Surcharge Fee- {$34.00} Electronic Registration Fee- {$12.00} Security Interest Filing Fee- {$20.00} Interest paid on this transaction from ( XX/XX/XXXX to XX/XX/XXXX ) {$3700.00} Totaling -- {$5500.00} Settlement offer - $ To Be Determined The Creditor will reimburse the obligor the following proceeds for violating the American Disability Act, and the Consumer Credit Application Process. The sum of {$5500.00} and a settlement offer to prevent any further Civil ligations, Complaint filed with the Maryland Attorney General Office, resulting from the Violations, Reimbursement shall be made by cashier check or money order payable to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kindly, XXXX XXXX, XXXX XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : XXXX of ( XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ). 

Sent via Certified Mail Tracking # Follow-up to RIGHT OF RESCISSION Letter Dated : XX/XX/XXXX SENT VIA CERTIFIED MAIL, #, Received on Dear XXXX, XXXX, I, XXXX XXXX , Original Creditor, hereby RESCIND my consent to be liable or compelled to perform on to the contract. This RESCISSION notice is made Pursuant to 15 U.S. Code : 1635 was never told I had 3 days to rescind the agreement I entered with Carvana LLC on XX/XX/XXXX. 



Per the previous letter stating that 20 ( twenty ) days after your receipt of this notice of Rescission for violating the American Disability Act ( ADA ) the Consumer Credit Application process and Violating the Used Car Consumer Bill of Rights in which was received by XXXX, XXXX. on XX/XX/XXXX, XXXX day is XX/XX/XXXX. On, XX/XX/XXXXXXXX XXXX XXXX, I contacted XXXX XXXX XXXX via telephone XXXX stating he was driving not at the dealership callback. Obligator sent the Right of Rescind letter to XXXX  XXXX XXXX via email to XXXX at XXXX prior to calling back at XXXX, states still driving not at dealership to callback. I asked if there was another person to contact and he put the calls forward to his cellphone. I asked him if he was aware of the notice, he stated no. I contacted XXXX XXXX via telephone XXXX. So, since XXXX XXXX XXXX  failed to respond to the obligator regarding the money owed for the ( XXXX XXXX XXXX XXXX XXXX XXXX  ). Owed to XXXX XXXX, Obligor, reimbursed for the down payment of {$1400.00}, XXXX XXXX XXXX {$180.00}, State title fee {$100.00}, Surcharge Fee {$34.00}, Electronic Registration Fee {$12.00}, Security Interest Filing Fee $ {$20.00}, Finance Charge fEE Due to the Creditor, XXXX XXXX not complying with the request of the Obligator within the requested timeframe. The obligator has the right to file any further actions against XXXX XXXX. 



Thank you kindly, XXXX XXXX Mailed to CC : NYC Department of Consumer and Worker Protection, Consumer Service XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief