Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To All Parties Concerned I hope this letter finds you well. I am writing to request the immediate removal of a repossession entry from my credit report, which I believe is unjust and in direct violation of the XXXX XXXX XXXX XXXX XXXX XXXX Informational Website class action lawsuit, consumer finance laws, and key sections of the United States Code, specifically 15 U.S.C. 1681a.1.a, 15 U.S. Code 1681c , and Section 623 ( a ) of the Fair Credit Reporting Act ( FCRA ). 
Account Information : Account Number : # XXXX Repossession Date : Unknow I would like to outline the legal grounds for my request : XXXX XXXX XXXX XXXX XXXX XXXX Informational Website Class Action Lawsuit : As XXXX XXXX XXXX is well aware, it has been involved in the XXXXXXXX XXXX XXXX XXXX XXXX XXXX Informational Website class action lawsuit. This lawsuit has raised serious concerns regarding XXXX 's lending and repossession practices. Given this context, I assert that my repossession may be linked to the issues addressed in this lawsuit, and I am demanding the removal of the repossession entry in light of the allegations raised. 

Uniform Commercial Code ( UCC ) : The Uniform Commercial Code ( UCC ) governs commercial transactions, including automobile loans and repossessions. I believe that XXXX XXXX XXXX XXXX have neglected to adhere to the UCC, specifically UCC Section [ Insert Relevant UCC Section ], which outlines the requirements and procedures that lenders must follow when repossessing a vehicle. I request a thorough review of the repossession process to ensure strict compliance with the UCC.

United States Code Law 15 U.S.C. 1681a.1.a : United States Code law 15 U.S.C. 1681a.1.a is an integral part of the Fair Credit Reporting Act ( FCRA ) and emphasizes the importance of accurate and fair credit reporting. I contend that the repossession entry on my credit report does not accurately represent the circumstances surrounding the repossession and must be removed to ensure compliance with the FCRA.

15 U.S. Code 1681c and Section 623 ( a ) of the FCRA : Furthermore, 15 U.S. Code 1681c and Section 623 ( a ) of the FCRA explicitly prohibit the furnishing of inaccurate information to consumer reporting agencies ( CRAs ). It is my belief that XXXX XXXX XXXX has furnished inaccurate information regarding my repossession, thereby violating these crucial provisions of the FCRA. 
In light of these legal violations, I urgently request that XXXX XXXX XXXX initiates a comprehensive review of the repossession of my vehicle. This review must be conducted in strict accordance with all relevant laws, regulations, and industry standards. Moreover, I insist on a detailed explanation of the findings of this review and the subsequent removal of the repossession entry from my credit report. 
I understand that the removal of this entry is of paramount importance to my financial well-being, and I greatly appreciate your immediate attention to this matter. Please provide a written response within 30 days of receiving this letter, delineating the steps XXXX XXXX XXXX intends to take to investigate this matter and the anticipated timeline for resolution. 
Additionally, I kindly request copies of all documents related to my account, the repossession process, and any communication or correspondence pertaining to the repossession. 
Thank you for your swift response to this request. I look forward to a prompt resolution that upholds the principles of accuracy and fairness in credit reporting. Should you require any further information or documentation from my end, please do not hesitate to contact me at ( XXXX ) XXXX or XXXX Sincerely, 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