Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Re : Formal Dispute of Inaccurate Repossession Reporting [ XXXX XXXX account # XXXX ] To Whom It May Concern, I am writing to formally dispute the inaccurate and unverifiable repossession entry currently appearing on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, the Uniform Commercial Code ( UCC ) 9-609, and applicable state consumer protection laws, I request an immediate investigation into this matter. If the information can not be verified with supporting documentation, I demand its removal from my credit file. 
Disputed Account Details Creditor/Lender : XXXX XXXXXXXX  Account Number : XXXX Date of Repossession : XX/XX/scrub>/21 Credit Bureau Reporting the Entry : Experian Cease & Desist Demand Pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I hereby issue a formal Cease and Desist notice. I demand that all collection activities related to this account immediately cease. Any further attempts to collect, report, or verify inaccurate information will be considered a willful violation of federal and state consumer protection laws, warranting legal action.

Legal Basis for Dispute 1. Violations Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 As required under 15 U.S.C. 1681i, any reported information must be accurate, complete, and verifiable. If the data furnisher fails to provide documentation supporting the validity of this repossession, it must be removed from my credit report immediately.

I also request a Method of Verification ( MOV ) under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). If the repossession entry is not substantiated with original supporting documentation, continued reporting of this account is unlawful.

2. Violations Under the Uniform Commercial Code ( UCC ) 9-609 Improper Repossession Procedures The UCC mandates that a repossession must be conducted without breach of peace and with proper legal notifications. If the lender or any third-party entity failed to adhere to these conditions, the repossession and any subsequent reporting of the account are invalid.

I formally demand evidence of the following : o Proper pre-repossession notification o Proof that the repossession was conducted lawfully o Post-repossession notices regarding redemption and deficiency balances Failure to produce these documents will be considered an admission of non-compliance, necessitating immediate deletion of the account from my credit file.

3. Violations of State Consumer Protection Laws In addition to federal law, and Louisiana state law, provides protections against improper repossessions and inaccurate credit reporting. I request full compliance with my states consumer credit statutes, including any notification and deficiency balance requirements.

Requested Actions Given the legal implications of this matter, I formally request the following actions be taken : 1. Immediate deletion of the repossession entry from my credit file due to lack of verifiable documentation.

2. Provision of the Method of Verification ( MOV ), including the original signed contract, lawful repossession notices, and compliance records.

3. Permanent cessation of all collection activities associated with this disputed account.

4. A formal written response within 30 days, as required by federal law.

This matter requires immediate attention. Please provide a written resolution within 30 days from the date of receipt of this letter. 
Sincerely,

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