Consumer complaint received 2025-05-20 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: CA

Complaint narrative:
b'XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Ca. XXXX XXXX XXXX  : Follow-Up Request for Pre-Repossession Notice, Letter Regarding Retrieval of Belongings, and GAP Insurance InquiryAccount Number: [Account Number]Vehicle VIN: [Vehicle Identification Number (VIN)]Dear Sir/Madam,I am writing to follow up on my previous letter, dated [Date of First Letter], in which I requested specific documentation and information regarding the repossession of my vehicle with VIN [Vehicle Identification Number]. As of today, I have not received the requested documents or an adequate response.Under the Fair Credit Reporting Act (FCRA), Uniform Commercial Code (UCC), and Fair Debt Collection Practices Act (FDCPA), I am entitled to receive timely and accurate documentation related to the repossession process. Failure to provide this information not only violates these laws but also affects my credit and legal rights. Therefore, I am requesting immediate compliance with the following:1. 2. Pre-Repossession Notice (UCC  9-611):Please provide a copy of the pre-repossession notice, which should include details of the default and an opportunity to cure it before repossession.Letter Regarding Retrieval of Personal Belongings (UCC  9-613):Please provide the required letter or notice explaining how I can retrieve my personal belongings from the repossessed vehicle, including any storage fees or deadlines for retrieval.3. 4. 5. GAP Insurance (FDCPA  1692f, FCRA  1681):Provide documentation confirming the application of GAP insurance to cover any deficiency balance, or an explanation of why it was not applied if applicable.Final Sale Notification (UCC  9-613, FCRA  1681e(b)):Please provide the final sale notice, detailing the sale date, location, and price, and the remaining balance after the sale.Debt Ownership Confirmation:Confirm who owns the debt and provide evidence of the debts transfer or assignment, if applicable.Non-Compliance and Legal Action WarningAs a result of your failure to respond or provide the requested documentation, I am now formally requesting that you comply within 15 days of receipt of this letter. If I do not receive the requested information or if you continue to ignore my legal rights, I will take further action, which may include the following:1. Disputing the Repossession Entry:I will dispute the repossession entry on my credit report with the credit bureaus. Failure to provide the requested documentation will render your reporting of this repossession inaccurate and in violation of the Fair Credit Reporting Act (FCRA), particularly 15 U.S.C.  1681e(b), which mandates that all information reported to credit agencies be accurate.2. Filing Complaints with the CFPB and FTC:I will file a formal complaint with the Consumer Financial Protection Bureau (CFPB) and the Federal Trade Commission (FTC), outlining your failure to comply with the FDCPA, FCRA, and UCC.3. Potential Legal Action:If the issue is not resolved, I will consider taking legal action for violations of the FDCPA, FCRA, and the Uniform Commercial Code. I will also seek any applicable damages for non-compliance, including legal costs and any financial harm resulting from your actions.Please consider this a final notice to resolve this matter. I am looking forward to your timely response.'

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