Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This complaint begins with XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) filing a notice of debt to the three major credit bureaus. I do not have an agreement with XXXX XXXX, because the agreement was with XXXX XXXX, where I co-signed for XXXX XXXX to receive solar panels for her residence at XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX. XXXX XXXX fraudulently used a non-representative named XXXX XXXX to mislead XXXX XXXX into obtaining the solar panels on the premise that she would receive {$21000.00} after one year of having the solar panels. The amount mentioned is in the contract with XXXX XXXX. Still, XXXX XXXX states it is not honoring the " Rebate '' amount of {$21000.00}, because XXXX XXXX is not a representative for XXXX XXXX, even though the contract is now being enforced by XXXX as the financing agency, due to XXXX XXXX filing XXXX  XXXX Bankruptcy in Arizona ( Case no. XXXX ). 
I filed a notice to Experian, XXXX, and XXXX regarding, the following particular issues with XXXX XXXX : XXXX : XXXX XXXX never provided me ( XXXX XXXX ) with Federal consumer co-signer counseling before " allegedly '' engaging in a contract with me as a co-signer for XXXX XXXX. According to 12 C.F.R. 706.3 ). The notice says : 1. You are guaranteeing the other person 's debt. Therefore, if he or she does not pay, for whatever reason, you will have to pay instead. Always make sure that you can afford to pay and that you are willing to accept the responsibility.

2. You will be liable for the entire amount of remaining debt if the borrower does not pay, as well as late fees and collection costs.

3. In some states, the creditor can come after you for payment without first trying to collect from the original borrower. Collection may include suing you and garnishing your pay or property. If the loan is not paid, it may also be placed on your credit report. 

XXXX : XXXX XXXX is prohibited from executing a loan of any type in the state of Florida states CF : Consumer Finance Company : The license authorizes the holder to solicit, make, and collect loans to consumers in this state for an amount not exceeding {$25000.00} at an interest rate greater than 18 %. The license is not required for banks and certain other financial institutions doing business under state or federal laws. 
Chapter XXXX, Florida Statutes - Consumer Finance Act Rule XXXX, Florida XXXX XXXX - Florida Consumer XXXX Act XXXX : XXXX XXXX XXXX XXXX XXXX to deceive XXXX XXXX XXXX this contract through deception and fraud against an elderly person of the age of XXXX XXXX XXXX under Florida law XXXX A criminal complaint was filed with the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX # XXXX ). 

In closing, it is my complaint that XXXX, Experian, and XXXX have failed to remove XXXX XXXX from my credit report until conducting a thorough investigation of whether these allegations are founded and creditable as required by the rules of The Federal Trade Commission, Florida law on crimes against the elderly, failing to provide the required " Co-signer '' counseling as required by XXXX C.F.R. XXXX Unfair or deceptive cosigner practices.

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