Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : FORMAL DISPUTE DEMAND FOR IMMEDIATE REMOVAL OF INACCURATE CHARGED-OFF REPOSSESSION ACCOUNT UNDER FCRA To Whom It May Concern, I am writing to formally dispute the inaccurate and unverifiable reporting of the following charged-off repossession account on my credit report, which is being reported in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Disputed Account Information : Creditor : Ally Financial Account Number : XXXX Date of First Delinquency : XX/XX/XXXX Charge-Off Status Reported : XX/XX/XXXX Loan Type : Auto Loan Account Type : Installment According to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), any information that can not be verified as 100 % accurate must be permanently deleted from my credit report. If XXXX or Experian can not provide verifiable, legally sufficient documentation proving the accuracy of this charged-off repossession, this account must be removed within five ( 5 ) days per 15 U.S.C. 1681i ( a ) ( 2 ) ( A ), which mandates expedited investigation and resolution for inaccurate and unverifiable information.

LEGAL BASIS FOR REMOVAL : 1. Lack of Full and Proper Verification : The FCRA requires that every reported account be fully verified. Under 15 U.S.C. 1681s-2, furnishers are prohibited from reporting inaccurate, incomplete, or unverifiable information. If the original creditor can not provide complete records, including the legal basis for the charge-off, this account must be deleted immediately.

2. Charge-Off and Repossession Are Often Reported Incorrectly : A charge-off is an internal accounting decision, not a determination of unpaid debt. If XXXX XXXX has sold, transferred, or failed to verify the legal status of this charge-off, it must be removed under 15 U.S.C. 1681i ( a ) ( 5 ).

If the loan has been resold or transferred, Experian and XXXX must ensure no duplicate or conflicting accounts are being reported, as this violates 15 U.S.C. 1681s-2 ( a ) ( 2 ).

3. Recent Legal Actions Against Experian and XXXX Reinforce Consumer Rights : Both Experian and XXXX have been the subject of recent lawsuits and federal enforcement actions due to their failure to verify disputed accounts accurately. If this account is not removed, I will escalate this matter to federal and state regulators and seek legal remedies under the FCRA. 

IMMEDIATE ACTION REQUIRED : This dispute must be investigated and resolved within five ( 5 ) days, as required under 15 U.S.C. 1681i ( a ) ( 2 ) ( A ) for inaccurate and legally questionable reporting.

I demand written confirmation of the permanent deletion of this account from my credit file, along with an updated credit report, as required under 15 U.S.C. 1681i ( a ) ( 6 ). 

CONSEQUENCES OF NON-COMPLIANCE : If XXXX and Experian fail to comply with this request, I will take the following actions : XXXX. File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 
2. Pursue legal action for statutory and punitive damages under 15 U.S.C. 1681n and 1681o, which provide financial penalties for FCRA violations.

3. Include this in a legal claim citing recent enforcement actions against XXXX and Experian for FCRA noncompliance. 

This letter serves as a Final Notice to Cure before escalation. I expect compliance within XXXX ( XXXX ) days from receipt of this letter. 

Sincerely, XXXX XXXX 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