Consumer complaint received 2022-03-20
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello XXXX XXXX XXXX, Experian XXXXnformation Solutions Inc XXXX XXXX XXXX XXXX XXXX. 
I have submitted a complaint against XXXX XXXX XXXX XXXX ( complaint number XXXX ) regards to me wanting for the pre sale letter of the vehicle that was repossessed. XXXX XXXX XXXX XXXX decided to mark my complete as a duplicate for whatever reason, which is odd to me due to the fact I've never sent them a complaint wanting the pre-sale before. They totally ignored to provide proof that the pre-sale was sent. So now I am asking all three of you to please provide the following information ( pre-sale ) letter from XXXX XXXX XXXX XXXX. If you ignore this request I will sue all 3 CRA 's and XXXX XXXX XXXX XXXX. You don't believe me, watch me! You all have 30 calendar days to provide proof of the pre-sale letter and that it was actually sent! Please provide proof via CFPB portal. This is not me wanting a validation nor a verification. This is solely me asking for the pre-sale and proof it was sent to the address on my consumer 's file. Here below is what I sent to XXXX XXXX XXXX XXXX on XX/XX/XXXX via CFPB portal. 
XXXX XXXX XXXX XXXX  ATTN CFO : XX/XX/2022 NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL Dear XXXX XXXX XXXX : I recently received a copy of my credit report and I noticed some account/s on my consumer report that should not be on there. So please prove that the pre-sale was sent & if so please prove it to me. So after carefully reading and getting a better understanding of the repossession process this is what I came across 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. ( a ) [ " Notification date. '' ] In this section, " notification date '' means the earlier of the date on which : ( 1 ) a secured party sends to the debtor and any secondary obligor an authenticated notification of disposition ; or ( 2 ) the debtor and any secondary obligor waive the right to notification. ( b ) [ Notification of disposition required. ] Except as otherwise provided in subsection ( d ), a secured party that disposes of collateral under Section 9-610 shall send to the persons specified in subsection ( c ) a reasonable authenticated notification of disposition. ( c ) [ Persons to be notified. ] To comply with subsection ( b ), the secured party shall send an authenticated notification of disposition to : ( 1 ) the debtor ; ( 2 ) any secondary obligor ; and 9-614. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL : CONSUMER- GOODS TRANSACTION. In a consumer-goods transaction, the following rules apply : ( 1 ) A notification of disposition must provide the following information : ( A ) the information specified in Section 9-613 ( 1 ) ; ( B ) a description of any liability for a deficiency of the person to which the notification is sent ; ( C ) a telephone number from which the amount that must be paid to the secured party to redeem the collateral under Section 9-623 is available ; and ( D ) a telephone number or mailing address from which additional information concerning the disposition and the obligation secured is available. ( 2 ) A particular phrasing of the notification is not required. ( 3 ) The following form of notification, when completed, provides sufficient information : [ Name and address of secured party ] [ Date ] NOTICE OF OUR PLAN TO SELL PROPERTY [ Name and address of any obligor who is also a debtor ] Subject : [ Identification of Transaction ] We have your [ describe collateral ], because you broke promises in our agreement. [ For a public disposition : ] We will sell [ describe collateral ] at public sale. A sale could include a lease or license. The sale will be held as follows : Date : _____ Time : _____ Place : _____ You may attend the sale and bring bidders if you want. [ For a private disposition : ] We will sell [ describe collateral ] at private sale sometime after [ date ]. A sale could include a lease or license. The money that we get from the sale ( after paying our costs ) will reduce the amount you owe. If we get less money than you owe, you [ will or will not, as applicable ] ] still owe us the difference. If we get more money than you owe, you will get the extra money, unless we must pay it to someone else. You can get the property back at any time before we sell it by paying us the full amount you owe ( not just the past due payments ), including our expenses. To learn the exact amount you must pay, call us at [ telephone number ] ]. If you want us to explain to you in writing how we have figured the amount that you owe us, you may call us at " [ telephone number ] ] [ or write us at [ secured party 's address ] ] and request a written explanation. [ We will charge you $ XXXX for the explanation if we sent you another written explanation of the amount you owe us within the last six months. ] If you need more information about the sale call us at [ telephone number ] ] [ or write us at [ secured party 's address ] ]. We are sending this notice to the following other people who have an interest in [ describe collateral ] or who owe money under your agreement : [ Names of all other debtors and obligors, if any ] [ End of Form ] ( 4 ) A notification in the form of paragraph ( 3 ) is sufficient, even if additional information appears at the end of the form. ( 5 ) A notification in the form of paragraph ( 3 ) is sufficient, even if it includes errors in information not required by paragraph ( 1 ), unless the error is misleading with respect to rights arising under this article. ( 6 ) If a notification under this section is not in the form of paragraph ( 3 ), law other than this article determines the effect of including information not required by paragraph ( 1 ). * All forms of communication should be via email. CC : CFPB, XXXX  & Pennsylvania 's Attorney General Thank you

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