Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Rebuttal to CFPB Response and Factual Dispute of Joint Auto Loan Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SUMMARY : This serves as a factual and legal rebuttal to XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ) response submitted to the CFPB regarding the above-referenced case. Despite their claims, numerous violations remain unresolved, and key inaccuracies persist in how this joint account is reported, handled, and validated. This is not a duplicate dispute ; it is a continuation backed by additional facts, consumer rights, and legal standards under FCRA, TILA, FDCPA, UCC, and IRS guidelines.

LEGAL & FACTUAL INACCURACIES : Inconsistent and Misleading Payment History : The tradeline reflects four 30-day late entries, multiple 60, 90, and 120-day lates, and two repossession entries which is factually and chronologically impossible under the structure of the loan.

No consumer can be repossessed more than once for a single vehicle in a single contract term.

This violates : FCRA 1681s-2 ( b ) Failure to accurately report verified data XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Misleading charge-off and delinquency reporting is grounds for deletion XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Even accurate data can violate FCRA if misleading Joint Account Status Ignored : As this is a joint account, both account holders must receive notification of repossession, charge-off, or auction-related events. 

XXXX failed to demonstrate they notified both borrowers, breaching : XXXX XXXX XXXX XXXX Notification of account transfer or charge-off FDCPA XXXX Obligation to validate debt to all responsible parties Deficiency After Auction is Inaccurate and Unsupported : Account was reported as charged off at {$17000.00}, but a deficiency balance of {$10000.00} remains after a vehicle sale at auction. 

XXXX did not provide itemized auction sale receipts, supporting invoices, or statements validating : Alleged interest charges Fees Balance calculations This violates : UCC 9-210 Failure to provide full debt accounting upon request FDCPA 1692g ( b ) Refusal to properly validate balance or charges Missing 1099-C IRS Code 6050P Violation : XXXX acknowledged no 1099-C was issued, citing the debt is not yet " settled '' ; however, the account is charged off and listed as written off, which legally triggers a reporting event.

Failure to provide IRS Form 1099-C is a violation of : IRS Code 6050P Creditors must issue 1099-C for forgiven debt over {$600.00} Potential consumer tax fraud and misreporting exposure Data Privacy & Shared Information Abuse : XXXX  XXXX, the credit bureaus, and potentially third-party XXXX have handled and shared this joint account 's private information without full consent or notification to both parties. 

This violates : FCRA 1681b Permissible purpose requirements FCRA 1681c-2 Right to block or suppress unverifiable or misused data REQUEST FOR CFPB INTERVENTION : Reopen this dispute as a new submission due to new violations, factual documentation, and legal basis.

Enforce FCRA, FDCPA, and IRS laws to ensure COAF : Removes all duplicative late payments and invalid repossession entries Submits clear auction documentation, including date of sale, buyer, price, and balance impact Issues a 1099-C if any portion of the debt is charged off or waived Fully validates joint party status and provides written notices to both parties Request deletion of this account from all consumer credit files if the data is not fully verifiable, accurate, and legally compliant. 

Respectfully Submitted, XXXX XXXX From my previous dispute i also mention regarding the inaccurate and misleading late payment history reported on my XXXX XXXX XXXX XXXX account referenced above. This account is listed as joint, and your records fail to reflect proper legal compliance in how this data is being reported and shared. 

Under FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers of credit information must ensure that all data is accurate and complete. The late payment history on this account includes multiple inconsistent entries, including duplicative 30-, 60-, and 90-day lates, and repossession entries that are chronologically impossible. These are not only misleading but violate case law precedent : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Even technically accurate entries are unlawful if they give a misleading impression. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Repeated charge-off and delinquency reporting found to violate the FCRA. 

Additionally, as this is a joint account, both parties are entitled to all legal notices and disclosures under : XXXX XXXX XXXX XXXX, requiring formal notice of ownership transfer, charge-off, or material changes. 

FDCPA 809 ( a ), mandating debt validation and notice to each responsible party.

You have not produced any documentation showing that both account holders were properly notified, nor have you provided validation of the alleged delinquencies, auction sale figures, or any accounting breakdown required by UCC 9-210.

Given the unverifiable, misleading, and legally deficient reporting, I am demanding that all late payment history entries be removed immediately. If the data can not be fully verified with proper supporting documentation, it must be permanently deleted under FCRA 1681i ( a ) ( 5 ).

Please provide written confirmation of the deletion, or a comprehensive breakdown with full validation, within 15 days of receipt of this letter. 

your company denied my demands and written instruction.

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