Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Subject : Formal Demand for Removal of Inaccurate Information Under FCRA To Whom It May Concern, I am writing to formally demand the removal of inaccurate and harmful information concerning my XXXX  XXXX XXXX XXXX XXXX ( XXXX : XXXX ) from my Experian credit report. Despite my submission of substantial evidence through the CFPB portal and your reinvestigation process, this matter remains unresolved. Your response focused solely on alleged late payments without addressing the central issues of violations under the Lemon Laws and the Truth in Lending Act ( TILA ). 

Background on the Dispute Vehicle Details : XXXX  XXXX XXXX XXXX XXXX ( XXXX : XXXX ). 
Issue : The vehicle qualifies as a lemon under applicable Lemon Laws. Additionally, XXXX XXXX relied on a fraudulent contract, which is not the agreement I signed, violating the Truth in Lending Act ( TILA ). 
Evidence Provided : I submitted documentation showing the vehicles lemon status, violations of TILA, and evidence of XXXX XXXX presenting a fraudulent contract during the repossession process. 

Experians Inadequate Investigation Your reinvestigation focused only on late payments while ignoring the following key facts : 1. Fraudulent Contract : XXXX XXXX provided a contract that does not match the one I originally signed, raising serious legal concerns. 
2. Lemon Law Violations : The vehicle qualifies as a lemon due to significant defects, rendering the loan and subsequent repossession invalid. 
3. Failure to Verify Information : Your process did not address the legitimacy of the contract or the legal disputes I raised. 

Under the Fair Credit Reporting Act ( FCRA ), Experian is obligated to : Conduct a thorough investigation ( 15 U.S.C. 1681i ) that addresses all aspects of a dispute. 
Correct or delete information that can not be verified or is deemed inaccurate ( 15 U.S.C. 1681c-2 ). 

Legal Demand I demand the following actions be taken within 15 days of receipt of this letter : 1. Immediate Removal : Delete all information regarding the XXXX  XXXX XXXX XXXX XXXX from my credit report. 
2. Written Confirmation : Provide written confirmation that the inaccurate information has been removed. 
3. Furnisher Details : Provide the name, address, and phone number of the furnisher of this disputed information. 

Failure to Comply If you fail to address this issue adequately, I will take legal action against Experian for : Failure to conduct a proper investigation under the FCRA. 
Reporting inaccurate information that harms my creditworthiness. 
Failure to comply with federal and state consumer protection laws, including Lemon Laws and TILA. 

In court, I will seek statutory damages of up to {$1000.00} per FCRA violation, actual damages for financial harm, and reimbursement of attorneys fees and court costs.

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