Consumer complaint received 2025-03-11 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: WA

Complaint narrative:
Hello Sir/ Madam, I have a car loan with XXXX XXXX XXXX XXXX . In XXXX, I noticed that my credit report showed me as negative 30 to 60 days past due by XXXX. 

I was auto-enrolled with a monthly payment of {$390.00}, for which I have listed my XXXX XXXX checking account. There is a direct deposit of {$500.00} in my account every month. I only use my XXXX XXXX account for my car payment, which is payable to XXXX XXXX XXXX XXXX. In the month of XXXX, XXXX forced XXXX insurance on my account which I was not even aware of, and they were trying to take {$1000.00} out of my account as a monthly payment in the month of XXXX, XXXX, XX/XX/XXXX. 

When I cross-checked my XXXX XXXX account in XXXX ; there was no lapse in the deposit of {$500.00} every month, the money was still sitting in the account. When XXXX XXXX did the investigation, they informed me that instead of deducting {$390.00} from my account, XXXX was trying to deduct {$1000.00} from my account every month without my permission and authorization. XXXX was unable to deduct {$1000.00} from my account every month ; there could be a possibility that XXXX XXXX restricted the {$1000.00} payments that XXXX was trying to deduct without authorization. When I opened up my XXXX XXXX account, I specifically told the bank the reason which is for auto payment of {$390.00}, and the account will not be used for any other purpose. Maybe that is the reason when XXXX tried to deduct {$1000.00} out of my account every month without my authorization, XXXX XXXX restricted the payments. 

I have never been late on my payment since I purchased the car. 

When I called and checked with XXXX about the reason for reporting late payments, they told me they were trying to deduct {$1000.00} per month, as they have forced a XXXX insurance because for some reason, they thought I did not have insurance. 

I have to send consistent emails and involve my insurance provider regarding this matter. XXXX verified that I always had full coverage on my vehicle since I purchased it. 

When my Insurance provider sends them all the binders and proof of full coverage from the time in question Policy Number XXXX for policy dates XX/XX/XXXX - XX/XX/XXXX & XX/XX/XXXX - XX/XX/XXXX. 

XXXX finally removed the XXXX  insurance and adjusted my payment to {$390.00}. 

When I requested XXXX to remove negative reporting from all three credit bureaus because it was their fault, XXXX refused. 

Please help me remove adverse reporting from all 3 credit buereos. 

Vehicle Year : XXXX Make : XXXX XXXX Model : XXXX XXXX : XXXX I am attaching my policy which clearly states that I had full insurance throughout the year XXXX and till XX/XX/XXXX and a screenshot of email which was send from XXXX to XXXX. 

Regards, XXXX XXXX XXXX ( 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