Consumer complaint received 2016-03-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Re : REQUEST FOR RE-INVESTIGATION XXXX Dispute - / FEDERAL CONSUMER LEASING ACT VIOLATION/ FAIR CREDIT REPORTING ACT VIOLATION/ FAIR CREDIT BILLING ACT VIOLATION AS Per : XXXX - Credit Report Number : # XXXX Date Issued XX/XX/XXXX : ACCOUNT ( 1 ) - XXXX XXXX XXXX XXXX # XXXX : / Account ( 2 ) - XXXX XXXX XXXX : Experian- Credit Report XXXX # XXXX RE : XXXX XXXX XXXX '' and XXXX XXXX XXXX XXXX XXXX Debt Validation Dispute Re : XXXX XXXX XXXX, Consumer I am writing in regard to the above referenced accounts and transactions. This vehicle was repossessed by XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor ) in the State of ( Georgia ) on or about, XX/XX/XXXX, and resold on or about XX/XX/XXXX. Your review of the required appropriate documents and records, will determine and verify any descreprencies. 

XXXX XXXX XXXX XXXX XXXX XXXX FAILED TO COMPLY : Under the laws of the State of Georgia ( State where car was repossessed ) UCC ( GEORGIA 'S state 's UCC code, you will need to look this up ) and State RISA and MVISA statutes ; THEREFORE, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

I am in dispute of this erroneous inaccurate account as a result of its Loss-of Value/ and Express warranty. As a result, of this defect there was a breach of warranties, unjust enrichment, and violations of various state consumer protection statutes. 

Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 
If no such proof is provided within 30 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

In addition, if XXXX XXXX XXXX XXXX XXXX XXXX XXXX or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and State of Georgia UCC code. 

In addition, I am writing to dispute XXXX Experian/ XXXX XXXX XXXX [ name of accounts : Re : XXXX XXXX and aforementioned account numbers ] on aforementioned credit report numbers [ xxxxxx ]. The balance listed on the account is incorrect, disputable and unjustifiable. 
Please delete the account. I am in dispute of these unverified, unreasonable, unaccountable charges. For example : As per : XXXX Credit Report : File Number XXXX I am in dispute of the following discreprencies : The Maximum Delinquency was 60 Days in XX/XX/XXXX and XX/XX/XXXX. 
This is unexplainable ; an Omission of dates in billing error is unacceptable. 
Therefore how could there possibly be a past due balance of $ {$8300.00}. As per Terms : ( See Report ) _________x {$0.00} per month, paid Monthly for 48 months. 





Please investigate the following : Correct Date of Last Delinquency. Per the Fair Credit Reporting Act, the Date of Last Delinquency is the date ( month and year ) of the first missed payment that led to charge off, collection, foreclosure or repossession. 
I am in Dispute of the following : XXXX XXXX XXXX XXXX XXXX failed to provide XXXX XXXX , Consumer with adequate pre- and post-repossession notices, and ( 2 ) attempting to recover unauthorized repossession deficiencies and expenses. Please provide the required documents. 
I never received a Notice of Plan to Sell Property According to a class action lawsuit, after XXXX XXXX XXXX XXXX repossessed customers ' vehicles, it issued NOIs ( " Notice of Our Plan to Sell Property '' ).

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