Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Auction was completed XX/XX/XXXX Sold XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Paid XXXX for towing services, the above tow service called XXXX, XXXX refused the car, and the tow company didn't notify me that they would be selling the car instead of giving it back to me. The XXXX XXXX was a Total loss, in XX/XX/XXXX picked up by tow company, tow company contacted XXXX in XXXX XXXX, XXXX refused the car, tow company sold the car. 
Tow company information : XXXX XXXX XXXX XXXX, NC XXXX United States Invoice number XXXX Vehicle Accident XXXX XXXX XXXX XXXX Account number- XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Was charged while car even though I returned it Was charged a total balance, even though I was only responsible for the lease and paid the full lease amount, but was charged for the remaining car. The car was totaled in the months the lease was up. 
XXXX created a new Balance of {$35000.00} from the original lease balance of {$19000.00}. Which was paid off because my lease was paid in full and was due to expire XX/XX/XXXX. 
When I reported to XXXX of the accident and that my primary insurance had been switched to another car they considered the XXXX a total loss with an involuntary repo. XXXX reported the Repo on XX/XX/XXXX The lease was over in the XXXX XXXX month though for I do not owe any money because with the deduction of the selling of the repo amount, XXXX owe me money if you want to be correct. I only owed XXXX on XX/XX/XXXX and the car was sold without my permission for XXXX so I am owed. In contrast, the vehicle was sold so that amount should have been deducted from the lease amount and the lease amount I paid from XXXX to XXXX should have been deducted from the original balance not put back on. 
XXXX account XXXX XXXX XXXX XXXX, TX XXXX XXXX My information was exposed in the data breach and you need to remove this information dont turn my dispute into a third day dispute under section 605 b this should be removed within 4 days. I paid the leasing company and they put the car back on my credit.

I have a right to a right to redeem a request to take a report off my credit. Thank you Approximately ( XXXX ) account with your company and consistently made payments on-time each month. Prior to that XXXX. However, I experienced death in my immediate family in XXXX and was unable to continue my lease for the last month. 
As a result, a repo was reported to the credit bureaus. The car was totaled in a wreck and I didn't have my primary insurance because I had just switched to my new car that had cheaper payments ). Since that time, I have gotten back on track and made all subsequent payments on time. Ive also taken extra precautions that include creating a detailed budget, minimizing expenses, and creating an emergency fund to ensure that this does not happen again. 
Unfortunately, that one negative mark is hurting my credit score and making it extremely difficult to ( finish my XXXX XXXX I am a single mom if XXXX  my husband died the year my car got repo ). As a result, I am asking that you forgive this financial misstep made by me and grant me the opportunity to get my credit score back on track by revising the late payment noted on my credit report. 
It is my hope that you and your team at XXXX or XXXXXXXX XXXX will give me a second chance by making this goodwill adjustment on my behalf

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