Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XX/XX/XXXX Attention : Consumer Financial Protection Bureau Experian and XXXX XXXX XXXX XXXX having been reporting the car loan account since XXXX / XXXX as delinquent to presence. Both companies refuse to stop reporting it or remove it. XXXX sold this account to another collection agency after I complained that my son 's name was signed over eight times and misspelled on documents as a cosigner from the previous dealership XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX Phone : ( XXXX ) XXXX Products and Services XXXX XXXX  ) who sold the account to XXXX XXXX XXXX XXXX approximately a year later without informing me after I complained that I never was given the sales contract information as promised to be mailed to me since I lived in XXXX NC at the time. I also complained to XXXX XXXX manager about this and what happened with my son and asked for the manager XXXX and the salesperson who sold us the vehicle and they told me that both no longer worked there. I told the new manager that my son never signed sales papers as my cosigner ; only after finding out his name was fraudulently forging several times on the sales contract as a cosigner when XXXX XXXX XXXX XXXX contacted me about my missed payment to them and that my son is responsible to as a cosigner and one of us needed to make a payment. I told them my son had nothing to do with the sale of this car and his name shouldn't be on any documents and that if it is forgery, fraud and voids the contract. I informed them I didn't owe them because I wasn't told that XXXX XXXX in XXXX had sold them my account prior. I then called XXXX XXXX in XXXX, and it is then they informed me they no longer have my account and had sold it to XXXX XXXX XXXX XXXX. 

I paid the car payments faithfully, even though I had no knowledge my son was added as a cosigner because I never received the XXXX contract until after I called Flow Automotive and asked them why I hadn't received my contract and if in the car loan account was sold to XXXX. They said yes and they would send me a copy of original contract. It had been a year later that for the first time I saw the forgery of my son 's name as a cosigner in writing after being informed by the second new company, XXXX XXXX XXXX XXXX my son was responsible as my cosigner for the payments as well. I looked at my son 's signatures on the contract and his name was misspelled so many times and it is clear it wasn't his handwriting, a forgery. He is left handed and knows how to spell his own name yet on these documents he supposedly signed his name where it is misspelled several times. 

Also, I am disable and I got sick and begin to struggle with housing prior to XXXX and although I requested and received previous financial hardship extensions with the last one in XXXX ; that wasn't supposed to affect my credit, my payments were always paid as expected to Flow Automotive and then to XXXX XXXX XXXX. All payments were paid as expected prior to and after that account was sold to XXXX. I called prior and told them to pick up the car and they told me about the XXXX XXXX XXXX. I received my last XXXX XXXX granted request in XX/XX/XXXX for XXXX - XXXX of XXXX. My finances didn't change and I could no longer make the payments and told them to come pick up the XXXX XXXX XXXX vehicle several times before and after. They suggested I could request another XXXX XXXX application ; I told them no, just come repo the XXXX XXXX. They asked the condition of the car and if there was anything wrong with car and asked for inside and outside pictures of the car. Covid hit and XXXX continued to request payments from me. I told them to come get the vehicle several times and they said their XXXX near me in West Virginia would arrange for repo of the vehicle and no one ever came after several more calls to have the vehicle repo and then they told me to sell the XXXX. I found a private buyer who would have paid {$12000.00} but XXXX XXXX XXXX refused to give the car title up. They continued to send me notices of late payments and charged me late fees and interest on the car loan. I told them I was not making any more payments and asked why they hadn't repo vehicle as I requested and as they said they would arrange. They never gave me a straight answer but continue telling me they will be coming and to make sure everything was out the car of mines. It was at the start of XXXX, and little was known about it and folks were in fear. XXXX XXXX XXXX eventually told me to sell the car to a dealership after revealing the payoff amount because they were refusing to come down from Virginia to repo the car. All the while reporting my account delinquent, late payments from XX/XX/XXXX all through that summer of XXXX. The XXXX XXXX XXXX was sold to XXXX that summer in XX/XX/XXXX after XXXX XXXX XXXX XXXX XXXX XXXX agreed to release the title to XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Office : XXXX ( Fax ) XXXX Email : 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 explanation