Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Request for Investigation of Missing or Inaccurate Lien Information To Whom It May Concern, I am writing to request an investigation into my credit report regarding the absence or inaccuracy of lien information that I believe should be included. According to my records, the following lien ( s ) are either not reflected in my credit report or reported inaccurately : 1. Lien Description : Debtor : XXXX XXXX Secured Party : XXXX XXXX XXXX XXXX File Number : XXXX, filed on XX/XX/XXXX Collateral : Element XXXXXXXX XXXX XXXX ( Serial Number : XXXX ) ( Collateral released ) XXXX XXXX XXXX XXXX XXXX ( Serial Number : XXXX ) XXXX XXXXXXXX XXXX  ( VIN : XXXX, License Plate : XXXX ) XXXX. Additional Details : The lien should reflect the partial release of collateral concerning the XXXX XXXXXXXX XXXX XXXX XXXX The secured party retains interest in the remaining collateral listed above. 

The original financing statement, as well as the security agreement, states that this XXXX is governed under the laws of the State of XXXX  and the Uniform Commercial Code ( UCC ). 




Summary of the Promissory Note XXXX. Parties Involved : Borrower : XXXX XXXX XXXX : XXXX XXXX XXXX. XXXX XXXX : Principal Amount : {$10000.00} XXXX XXXX : None ( 0 % ) XXXX. Payment Schedule : First Payment : {$3300.00} due on XX/XX/XXXX Second Payment : {$3300.00} due on XX/XX/XXXX Final Payment : {$3300.00} due on XX/XX/XXXX XXXX. Collateral : XXXX XXXX XXXX XXXX ( Serial Number : XXXX ) XXXX XXXX XXXX XXXX XXXX ( Serial Number : XXXX ) XXXX XXXX XXXX  ( VIN : XXXX, License Plate : XXXX ) XXXX. Default Provisions : If a payment is missed, the Lender can seize the collateral and accelerate the remaining loan balance. 



XXXX Credit Reporting : Timely payments will be reported to the major credit bureaus. 



XXXX. Governing Law : Governed by the laws of California and the XXXX. 



XXXX. Entire Agreement : This Promissory Note constitutes the entire agreement between the Borrower and Lender regarding the secured transaction. 




Security Agreement Date : XX/XX/XXXX Account Number : XXXX Borrower Information : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Business Email : XXXX Date of Birth : XXXX Social Security Number : XXXX XXXX : XXXX Drivers License Number : XXXX Lender Information : Name : XXXX XXXX Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX XXXX. Grant of Security Interest : The Borrower grants the Lender a security interest in the collateral as security for the repayment of the loan referenced in the Promissory Note. 


XXXX. Possession of Collateral : The Borrower retains possession of the collateral unless a default occurs. 


XXXX. Reporting to Credit Bureaus : This security interest will be reported to credit reporting agencies as part of the Borrowers credit history. 


XXXX. Default Provisions : If the Borrower defaults in payment obligations, the Lender may take possession of the collateral. 


XXXX. Governing Law : This Security Agreement is governed by the laws of California and the XXXX. 


XXXX. Entire Agreement : This Security Agreement, together with the associated Promissory Note, constitutes the entire agreement regarding the secured transaction. 



The inclusion of accurate lien information is crucial for accurately reflecting my financial obligations and responsibilities. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that my credit report is complete and accurate. 

I kindly request that you conduct a thorough investigation into this matter. Please confirm receipt of this letter and inform me of the outcome of your investigation. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you. 

Sincerely, XXXX XXXX -- - Enclosures : XXXX Filing Statement Amendment Document Promissory Note Security Agreement