Consumer complaint received 2025-08-18 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: MA

Complaint narrative:
I was given a pre approval from XXXX  XXXXXXXX XXXX XXXX was directed to go to XXXX  XXXX with the pre approval where they ended up shopping my credit around for months ruining my report for years now I have been suffering. XX/XX/XXXX Consumer ReportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX later renamed XXXX XXXX ; I purchased my first financed vehicle XX/XX/XXXX a XXXX XXXX XXXX XXXX XXXX # XXXX at XXXX XXXXXXXX stock no XXXX from XXXX XXXX at XXXX XXXX XXXX XXXX MA XXXX XXXX with their help using XXXX XXXX XXXX  XXXX  account # XXXX and also purchasing an extended warranty through XXXX XXXX XXXX originally later renamed themselves XXXX XXXX with XXXX that I paid for XXXX $ /month for two years in a row religiously before I realized that it was also a scam. At the time I purchased it I did not realize it was a used vehicle. The first car the man showed me I was told was new and was only XXXX $ XXXX $ I was told that the vehicle was too much money after they took me on a road trip to see how it performed. They told me they could get me into another vehicle that looked just like it. I honestly didnt know the difference or even think they would be able to get me into any vehicle because I didnt know it was possible not knowing that they were going to use my credit to shop around and see what they could get and then later using only my banking information to deem me eligible to purchase the vehicle & shopped my credit around for months afterwards on several different occasions totaling over 30 separate inquiries on my credit profile & selling me only one used vehicle that not only had a serious recall but it affected the vehicle within three weeks of my purchase when the engine blew on the highway. Myself being new to this finance industry accepted whatever it was that came my way not knowing anything about warranties or lemon laws when my engine blew and the dealership said they wouldnt help me I went about seeing how I would have to get it fixed myself. I didnt have any other options. At the time I was only a XXXX XXXX  working part time doing XXXX  and XXXX work and the only other reliable vehicle I owned they told me I would have to use for a trade in if I was going to receive what I believed was a new vehicle. I Eventually ended up out of work for four months with the first repair and renting another vehicle was the only other option for me not one company offered to help me with any of it and at the time I didnt pay for Mechanical Breakdown Insurance because I had no Previous reason to. XXXX XXXX said the only way they could help with anything would be if I defaulted on payments so myself being naive to the credit world and too poor financially to pay for a car that I had just got when I owned my personal car outright before and Never had to worry about any payment previously, I missed two payments in the four months it took XXXX XXXX to fix the recall and it ruined my credit so bad from this and them shopping my credit around that I still havent been able to purchase a house or home & am still recovering from the first loss. XXXX offered only to fix the recall and pay the two late payments that I defaulted on. XXXX took Four Months to fix the engine stating there were several other vehicles with the same issue waiting just as long. At the time I thought it was great on their behalf to help because I could Never Afford to pay for a new engine on my own but the actual dealership that sold me this vehicle has never responded to any of my emails or phone calls about making this right or the fact that when they had written up the contract they charged me two different times just to write the contract for the vehicle to begin with and it is written in XXXX and XXXX  on the only paperwork I was provided. I have written a consumer complaint in the past not realizing I should have been writing about the dealership also bc its not just the manufacturer and financing companies fault I was swindled into buying a hunk of junk that sits in my driveway bc I have XXXX now from the day the piston shot out from under my engine on the highway was life threatening and I refuse to let it ever happen again. I had to pay for two tows because XXXX XXXX of XXXX refused to fix it the only other thing I knew to do was to call a bigger dealership that specialize in these particular vehicles so I had it towed from XXXX XXXX to XXXX XXXX XXXX XXXX. At this time I still owe XXXX $ + interest and I will never be able to pay it off early bc I will never recover from the first breakdown. I have already paid over XXXX $ to this day still owe over XXXX $ plus interest and it is only worth XXXX $ maximum according to XXXX XXXX XXXX today. Also when XXXX XXXX  XXXX Finally returned the vehicle the windshield was cracked across the whole way and instead of fixing it they made me fix it saying I could just use my insurance which I had to do bc they refused to do anything at all. I have had several regular issues including a transmission hose I have also paid to have repaired and still is broken to this day The price of this vehicle and the price of the new vehicle the sports suv they had originally showed me ended up being exactly the same price in the long run I paid more getting the Hyndai and its not fair. This is not a fair consumer process it was and has been a nightmare. The engine failure has been the only repair XXXX XXXX covered while theyre were several other repairs including several different lightbulb replacements and the rear differential failing me in the middle of a snow storm leaving my vehicle hanging off of the wall in my driveway and almost went into my neighbors home. I had to pay to have it towed to XXXX XXXX XXXX just to be told by both XXXX XXXX and my extended warranty service I had purchased through XXXX XXXX XXXX later renamed XXXX XXXX at the time I purchased my vehicle said they did not cover the rear differential case and left me without a tow after I paid extra just for them to send someone and they never did I still had to pay out of pocket. and I would have to cover it out of pocket and out of work until it was repaired. Totaling over XXXX $ dollars in loss cost and repairs and have only been reported twice as late to the credit bureau during that first breakdown. I have received no help of any type or remittance. I am seeking help today before I persue any further legal action thank you.

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