Consumer complaint received 2018-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been trying to fight the fraudulent reporting to my Experian account from XXXX. Back in XXXX, I purchased a XXXX XXXX from XXXX, and XXXX was the financier. 

I have zero delinquencies on my credit report and no accounts in collections anywhere else. But this derogatory remark has caused me not to be able to qualify for other financing and rates in which I am entitled to under the Fair Credit Reporting Act. 

When I purchased the vehicle, the interest rates and due dates where not what I agreed to in the original contract. XXXX kept tacking on fees that were unauthorized and predatory. Then, I started getting tickets. 

I could not understand why I was getting so many different tickets for not having registration. But I did file registration when I purchased the vehicle! 

Turns out that the state had not gotten my registration information correctly because of an internal error in which XXXX did not file my car loan with the state, and filed it under someone elses name. 

I kept getting tickets, and went to court. I wasnt able to drive and my license keep getting suspended. I lost work and pay. 

XXXX kept taking on fees, and I wasnt even able to drive the car. Then, they repossessed it using those fees they fraudulently tacked on. It was a vicious cycle. I contacted them numerous times and they kept saying it takes 30-60 days to submit the correct paperwork to the state for my registration, in which they kept taking it out of my correct name. First, it wasnt filed correctly, then, they kept taking it out of my name. 

Because of the tickets, I got an HTO, and they took my license away for 5 years. I had to wait an entire year to even get my license back. I had to write letters to the judges all over the place, and began backtracking my complaints. Finally, the judges saw the truth in the matter, and started to dismiss my tickets for not having a proper registration, and the HTO was lifted. It was a NIGHTMARE. 

XXXX contacted me because they knew of the case in the matter, and offered to re structure the loan on the car. A man hired to call me, was complete fraud. 

He was telling me they were going to come and measure my car gauges and things to restructure the loan so I allowed them to do it. Little did I know, it was a complete lie. They sent my car to auction instead of doing what they said they would do, and I got a letter 10 days later with a deficiency balance. I was shocked and horrified. I never gave them authority to do that and they had set me up. I found out letter they used the debt to write off on their business taxes, which by law doesnt allow them to keep this on my credit file. 

This company, XXXX, was issued a XXXX XXXX dollar judgement to pay people back for illegal repossessions. XXXX XXXX XXXX ... Of service men and many more. Also another XXXX XXXX in auto loan secularization cases. Reference https : XXXX as well as many more. 

Currently they have law suits with the fourth district Supreme court ( XXXX ) XXXX Vs XXXX that they are not in compliance with the Fair Credit Reporting Act. 

XXXX did not title my name property to my loan, caused me great grief within our department of motor vehicles. They also lost payments, tacked on impossible interest, illegally took my name out of title, etc etc etc. I lost work, lost my license, and was personally victimized by this horrible company. 

XXXX committed unfair and unscrupulous business practices in order to take away my vehicle. 

I would like them erased from my Experian Credit Report, immediately. 

XXXX and XXXX have already done the needful. 


Please advise, 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