Consumer complaint received 2024-08-29 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: CA

Complaint narrative:
I am writing to formally request the removal of the debt associated with the account in question from my credit reports, as maintained by your bureau. This request is based on several significant discrepancies and unauthorized circumstances that have severely impacted my credit profile. 

Background and Unauthorized Circumstances : Initial Purchase and Financial Control : I initially purchased the vehicle under a financing agreement with XXXX XXXX XXXX. However, due to a series of unfortunate events, including financial manipulation and control by another individual, my financial situation was severely compromised. I was forced to relinquish my vehicle as part of an arrangement where my financial decisions were made without my consent. 

Forced Contract and Insurance Cancellation : During my period of living with this individual, I was coerced into signing a contract that significantly impacted my personal and financial autonomy. Under duress, I was also instructed to reduce my insurance policy, which was an integral part of the vehicle financing arrangement. This decision was made by the individual controlling my finances and was not in line with my own financial decisions. 

Accident and Vehicle Loss : On XX/XX/year>, I was XXXX XXXX XXXX XXXX XXXX Due to the reduction of my insurance policy, which was done under coercion, my vehicle was considered a total loss. I was informed by my insurance provider, XXXX, that I did not have the necessary coverage and would be required to pay out-of-pocket expenses. Subsequently, I arranged for the vehicle to be towed to a yard and auctioned to settle the outstanding debt. 

Discrepancies and Issues with Credit Reporting : Inconsistent Reporting Across Credit Bureaus : Upon reviewing my credit reports, I have identified several discrepancies, including variations in account types, status updates, and original balances reported by different credit bureaus. These inconsistencies have led to confusion and inaccuracies in the representation of my financial history. 

Denial of Documentation : Despite my efforts, I have been unable to obtain detailed documentation from XXXX regarding the account details, loan amount, or the auction process of the vehicle. This lack of transparency has hindered my ability to accurately verify and resolve the reported debt. 

Legal Basis for Removal : Under the Fair Credit Reporting Act ( FCRA ) Accuracy Requirement ( FCRA Section 611 ) Consumer Rights ( FCRA Section 609 ) Given the circumstances of coercion, unauthorized financial control, and the inconsistencies in the reporting of the debt, I respectfully request the following actions : Removal of the Debt from All Credit Reports : The debt in question should be removed from all three major credit reporting agencies due to the unauthorized nature of the circumstances leading to the debt and the inaccuracies in reporting. 

Correction of Credit Report Information : Please ensure that any inaccurate information related to this debt is corrected or removed from my credit reports to reflect the true and accurate state of my financial history. 

I appreciate your prompt attention to this matter and look forward to a resolution that aligns with the legal requirements for accurate and fair credit reporting.

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