Credit reporting or other personal consumer reports -- Credit monitoring or identity theft protection services -- Complaint #8414398
Complaint Overview
Complaint ID: 8414398
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-Issue: Problem with product or service terms changing
State: Michigan
ZIP Code: 488XX
Date Received: 2024-02-24T12:00:00-05:00
Date Sent to Company: 2024-02-24T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
The bank that my car loan is through sent me an email in XXXX of 2023 stating that I did not have coverage on the vehicle and that they would add cpi ( insurance ) if I did not send proof of insurance. Thinking this was a fluke I sent in my proof and waited. Then I got another email a month later stating the same issue so I sent in proof again, I got an email on XX/XX/XXXX saying they would get back to me in XXXX days. I got a response within the same day saying the format is incorrect so I resent the information in the correct format and never got a response. I got another email stating I needed to send proof of insurance on XX/XX/XXXX and I sent in my insurance again, I didnt receive any responses or notifications of needing proof of insurance again. Then in XXXX I get a notification that I am 30 days late on a payment, Im thinking this is impossible since I create a payment from my bank that then automatically goes to the account, when I look at my bloom account the payment more than doubled with the added cpi. I am frustrated since I sent in proof of the insurance and I even emailed and talked with a person over email about this so why wasnt I notified or given proper direction on what to do. I go into a physical location and the person was giving me a horrible interaction even once she realized I was submitting the proper papers for insurance. I then go to another location and they see my information and the documents submitted and agree that the info is correct and then remove the cpi. My problem is I was never notified that the cpi was added, there was no date or paper stating this, I was not told if anything was wrong with my documents after the initial email, I did not receive prompt help, and the bank messed up on their end by denying my documents were inadequate when they truly were. I never miss a payment so this is tanking my score when this was an issue on the banks end. I did play part and I paid for insurance and had it on the vehicle, I submitted documents proving it and I emailed and went into a physical location with no help. Even after this was finished I emailed the loan officer that helped to see if I can recoup any of the fees charged to pay the credit card I intended on paying off with the funds I had to use to pay the car payment that doubled.
Frequently Asked Questions
What is Complaint #8414398 about?
Complaint #8414398 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Credit monitoring or identity theft protection services. It was received by the CFPB on 2024-02-24T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.