Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
FORMAL DISPUTE AND DEMAND FOR CORRECTION : Inaccurate Reporting of Repossessed Auto Loan ( Acct # XXXX ) - Violation of FCRA & Nevada Law I am writing to formally dispute the inaccurate and incomplete information you are furnishing to consumer reporting agencies regarding my auto loan XXXX XXXX XXXX account number XXXX. 

I have previously disputed this account with Experian, and despite a supposed " reinvestigation, '' the account remains reported with multiple material inaccuracies that are damaging my creditworthiness and are clear violations of the Fair Credit Reporting Act ( FCRA ) and your duties as a furnisher.

I have attached my Experian credit report dated XX/XX/XXXX, as evidence. The reported information contains the following specific, harmful errors : 1. Contradictory and Illogical Reporting : The account is reported as " Closed, '' yet the status field states " Repossession. {$11000.00} past due as of XX/XX/XXXX. '' A closed, charged-off account can not logically have a monthly " past due '' amount, as no payment is expected. This misleading dual-status violates the requirement to report information that is both accurate and not misleading ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ).

2. Incorrect " Past Due '' Designation : The {$11000.00} figure represents a charged-off deficiency balance. Reporting it as a " Past due amount '' is factually and technically incorrect. It must be reported as a charge-off balance, which materially changes how creditors assess the debt.

3. Failure to Report Critical Compliance Dates : Your reporting omits the Date of First Major Delinquency and the precise Charge-Off Date. These dates are mandated by the FCRA and the Metro 2 Credit Reporting Resource Guide to establish the lawful 7-year reporting period. Their omission prevents verification of whether this negative item is being reported beyond its permissible time limit.

4. Duplicative and Inflatory Negative Reporting : The payment history shows a new " R '' ( Repossession ) indicator for every month from XX/XX/XXXX through XX/XX/XXXX. This is egregiously inaccurate. A repossession is a single event. Continuing to report it monthly for nearly two years creates a misleadingly severe credit history and constitutes willfully reckless reporting.

Your Legal Duties & My Demand : Under the FCRA, specifically 15 U.S.C. 1681s-2 ( b ), you have a duty to conduct a reasonable investigation upon receiving notice of a dispute, correct any inaccuracies found, and report the results to all nationwide credit bureaus.

Your current reporting indicates you are failing these duties. Furthermore, as the subject of this dispute is a vehicle contract, your actions may also constitute violations of the Nevada Unfair and Deceptive Trade Practices Act ( NRS 598.0903 et seq. ) by engaging in deceptive credit reporting practices.

I hereby demand that you : Immediately delete the entire tradeline for account # XXXX from all consumer reporting agencies to which you furnish data. Given the pervasive and uncorrected nature of these inaccuracies, deletion is the appropriate remedy. This is non-negotiable.

If you refuse deletion, you must, within 30 days, conduct a full, reasonable investigation and correct every inaccuracy listed above. You must then provide me with written documentation of the corrections made and the specific evidence you reviewed.

Notice of Intent to Pursue Legal Action : This is my final attempt to resolve this matter directly. If you do not completely delete this inaccurate tradeline from all credit reports within 30 days of receiving this notice, I will have no choice but to file a lawsuit against XXXX XXXX XXXX. 

The lawsuit will seek : Actual damages for the harm to my credit and financial opportunities.

Statutory damages for willful non-compliance with the FCRA ( 15 U.S.C. 1681n ).

Punitive damages under Nevada law for your deceptive conduct.

Payment of my attorneys fees and all court costs.

The FCRA allows for the recovery of attorney 's fees, making such litigation feasible. I have already filed two CFPB complaints and have a clear paper trail demonstrating your failure to comply with the law.

I expect your prompt written confirmation of the deletion of this account. All future correspondence should be in writing.

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