Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Hello, My name is XXXX XXXX, and I am a law abiding citizen. I am a XXXX of XXXX beautiful XXXX, and I have been married to my wife XXXX XXXX for XXXX years. We both work full time. 

I leased my dream vehicle which was a XXXX XXXX XXXX back in XXXX XXXX which I was supposed to purchase after the lease ended which was going to be around XXXX. 

I had problems with the vehicle immediately. I even got stuck on the road nearly 3 times. XXXX time a XXXX XXXX XXXX had to get me off the road because I nearly got struck by a bus. 

They had to replace the engine, I dealt with numerous service issues and phone calls to XXXX to come to an agreement to finally get out of this lease because the vehicle was shot. I spent hours and hours working on getting out of this vehicle because it is not operable and not safe for my family. 

XXXX decided to send me {$3000.00} and offer me a CDI discount on my next vehicle to help offset all these issues. A CDI discount is pretty much an employee discount. So I stayed loyal to the brand, I leased another vehicle, I had to roll in {$6000.00} into my new lease to pay off the full lease payments for the XXXX XXXX that was a lemon, and a defective vehicle. I didn't have time to go through lemon law process, my wife and I both work full time. We already spent hours and hours and days dealing with this vehicle that was not safe. 

After I returned the vehicle .... XXXX  decided to charge me {$740.00} dollars for wear and tear issues including tire replacements. I immediately called XXXX, which is nearly impossible to get a hold of. They told me numerous times that I had until XXXX to pay this balance because I paid {$6000.00} in advance, and they would not report anything on my credit. 

I couldn't even believe I had to end up paying {$740.00} for this vehicle. I kept trying to fight it, no one would help. 

Last month XXXX sent me to collections to a non reporting agency, I paid it immediately because I was so fed up. 

The agency told me nothing will be reported on your credit report because they are a non reporting credit agency. 

XXXX weeks ago XXXX took my score down nearly XXXX points and marked this as a charge off, and a non payment. I can not believe this. 

Please have someone call me XXXX. I have contacted the FBI, and they instructed me to go to the local authorities. 


I have attached all documents to this email chain. 

XXXX. XXXX  contract. 
XXXX. Payments showing on time. 
XXXX. Documents showing lease paid in full. 
XXXX. Documents showing all the service records which show everything. 
XXXX. Documents showing XXXX ruined my credit. 
XXXX. Document showing I had to sign an agreement not to go after XXXX but I was forced to sign this, I had no choice.

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