Consumer complaint received 2025-03-12 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: GA

Complaint narrative:
I am writing to formally dispute the information provided in the letter that was allegedly sent to me by XXXX. I have never received any correspondence from them via mail, and the attached letter that has been filed in my profile is entirely false. 

The information in the letter is riddled with inconsistencies. The dates and amounts are incorrect, and I believe this is a fabricated statement. According to the Power of Attorney ( POA ), the year stated is XXXX, but the letter claims there is a XXXX beginning balance, and payments were only reported starting in XXXX. However, my payments began well before that, starting on XXXX XXXX, XXXX, and continued regularly until XXXX XXXX, XXXX, at a rate of ** {$480.00} per month**. Over those XXXX years, I made a total of ** {$11000.00} in payments**, plus an additional ** {$2000.00} down payment** prior to this so-called POA, which my XXXX are according to life time warranty which XXXX cancelled immediately after taking over. 

Where are the records of my original payments for the period from XX/XX/XXXX through XX/XX/XXXX? These payments should have been reflected in the account records before any transfer of ownership or management took place. 

Additionally, the letter that was dated XXXX XXXX, XXXX, was never sent to me, and I demand proof that this letter was mailed to my address. I am requesting that XXXX provide verification that this correspondence was indeed sent, as I have no record of receiving it. 

Given the discrepancies and lack of accurate information, I request that XXXX provide full documentation of all payments made under my account, including the original payments I made to XXXXXXXX XXXX XXXX the original creditor, not a made up payment statement that has numbers, balances and dates incorrect, I would like my payment ledger from XXXX XXXX XXXX I made prior to the transfer of management, and proof of mailing for the XX/XX/XXXX letter. 

As per the Fair Credit Reporting Act, they are required to report accurate and complete information to credit bureaus, and the information currently on file is inaccurate and incomplete from Beginning to end. 
I have attached a letter they recently dated they have never received ever so they typed this letter to respond to my request as if its something they provided prior to this. 


I urge you to assist in ensuring that this matter is properly investigated and delete any information they have improperly placed on my Reports immediately. They provided an original contract but not the original payments, the created the payment which is all wrong and dont match at all. Last payment states I made XXXX incorrect because the balance was settled XXXX XXXX when it was total. The payment what they added was the residual amount of XXXX which was the value of the car but since it was over priced they received nearly XXXX. 

None of this is accurate which is why the paid opening balance states XXXX because they took over unexpected nearly XXXX years of me owning my truck. 

Next due date states XX/XX/XXXX but the last payment date XX/XX/XXXX which no payment has been made since XX/XX/XXXX when the vehicle was deemed total loss and they were paid out. Which my balance was updated with XXXX and now a year later they magically created a different ledger and added fees. Never contacted me or anything.Sent a email about me getting 1099c for something I havent received anything. They are all over the place.

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