Consumer complaint received 2022-02-14 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
The dispute for the accounts with XXXX XXXX XXXX XXXX XXXX XXXX Closed amount XXXX Date opened XX/XX/XXXX Account type Auto Loan should read no late payments new car requires full coverage before loan and to leave the lot and I purchased GAP insurance for XXXX $ from XXXX the insurance paid XXXX the GAP paid XXXX $ the rest was sent to a collection company for XXXX for XXXX I refused to pay because GAP every single thing I read says it pays the GAP between insurance and loan amount thats the reason for getting it on top of that I made payments to the collection company every month for two years on time for paid in full now it says seriously past due and turned over to an attorney XXXX has also reported almost 24 loans most are with in high 5k to mid 6k they are all the same they are also reporting secured CCs with my money as collateral and I eather owe less then the amount I put up and never got a refund but they are reporting it as a charge off the other secured CCs from XXXX  exsample are secured at XXXX $ and some how the balance is 2k+ other companies are also reporting secured card as charge offs with no refunds when the amount is less then what I put out Penfeds loans are all one month apart for the same amounts some say paid I dont care about those but PenFed is a bank for the military Im retired from the XXXX and the loans were all when I was active duty and most of the car loans are charge offs why would they give me another loan the next month if that was the case and all cars had full coverage and the GAP insurance that XXXX  offers XXXX  railroads the military which is a horrible practice I head this from many military people I know and they also have the nerve to take donations from family members while one is on a deployment and donations from other people as well to help support the military I havent looked in a long time but the min was XXXX what are they useing that money for I would love to see the ledger of were that money is going Im very disappointed before them I rebuild my Cridet after a XXXX in XXXX and finally got a loan from them my credit was destroyed after what they did to me I been trying to rebuild it I sent disputes for each account they are reporting and it comes back with no changes when I call the number all they can tell me is they sold everything to collections and they have no further info Im really sick of them while all this was happening I called almost every day for about 3 years with no change almost everyone explained that GAP insurance covers everything the insurance doesnt some cars had full coverage that XXXX  offers and when I looked it up its the same company that provides the GAP insurance after you pay XXXX $ to XXXX  in my mind if they are both owned by the same people its the samething as knowing the winner of the supper bowl before the game starts Insurence says we will pay XXXX $ then they tell GAP people to pay XXXX $ and they leave you a balance to pay XXXX  if XXXX  is the Bank reffuring to both places they have the menoply and I thought that was definitely illegal I really believe everything they do is fraud and they really need to get invested at least five years Im not reporting all this for me its mostly for my brothers and sisters fighting for are freedom and while doing that they dont deserve to worry the way that XXXX  treats them Im sorry for writing so much but I do appreciate your reading and if your help is possible I didnt know were to turn to when it was happening at the time but I found your site on a Cridet report site and I though there was a chance to help my credit so I can take out a loan to fix my house Im having problems with major things like the XXXX ect. I owe XXXX at my house is worth XXXX no one will just give me a equity loan thats the reason Im trying to fix my credit Im also 100 % disabled and cant even buy a car to go to the VA thats 50 miles away from my house Im sorry to sound like Im complaining but I have a feeling there is a way for you to have an impact on my credit report like I said most things I did was secured and says I owe money that less then my money I never got a refund of what was left just an owed balance of less then the money it was secured with and that cant be right all the things I talked about with secured things should never go over what you put up and the rest of my money that I didnt use needs to be returned now reported as late payments and charged off they did that to keep my money and theres no way to make them understand that from the phone calls I been makeing Im sick of getting the run around from every one especially when I call them well that all thank you it said no personal info but I have no clue how you get in touch with me so my email is 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