Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX. Summary of Complaint The credit bureaus are reporting a repossession from XXXX XXXX XXXX ( XXXX ) that is inaccurate, incomplete, and legally defective. XXXX  has a documented pattern of failing to follow autofinancing and consumer protection laws, including a federal lawsuit filed against them. Because XXXX  can not legally verify the repossession, the credit bureaus are violating the Fair Credit Reporting Act ( FCRA ) by continuing to report it. 

XXXX. What Happened XXXX repossessed my vehicle but failed to provide the legally required documentation, including : - A postrepossession notice - A notice of sale/disposition - Any proof that the sale was commercially reasonable under UCC Article 9 These notices are mandatory under federal and state law. 
Because XXXX failed to provide them, the repossession is legally invalid. 

XXXX. Pattern of XXXX Failing to Follow AutoFinancing Laws XXXX  failure in my case is not an isolated incident. 
They have a documented history of improper autofinance conduct. 
Federal Lawsuit : XXXXXXXX XXXX XXXX XXXX XXXX Case No. XXXX ( XXXXXXXX XXXX XXXX ) - Filed in federal court - Alleged improper autofinance practices and violations of consumer protection laws This lawsuit demonstrates a pattern of XXXX failing to comply with the laws governing auto loans, including the same statutory framework that governs repossession procedures ( UCC Article 9 ). 
The fact that XXXX has already been sued in federal court for improper autofinance conduct strengthens the conclusion that their handling of my repossession is part of a broader pattern of noncompliance. 

XXXX. Violations by the Credit Bureaus Because XXXX failed to follow required repossession procedures, the repossession is unverifiable and legally defective. 
The credit bureaus are violating multiple sections of the Fair Credit Reporting Act ( FCRA ) by continuing to report it. 

A. FCRA 607 ( b ) Failure to Maintain Maximum Possible Accuracy The bureaus must ensure that all information they report is accurate and not misleading. 
Reporting a repossession that was conducted without legally required notices is inaccurate and misleading. 

B. FCRA 611 Failure to Conduct a Reasonable Reinvestigation After I disputed the account, the bureaus were required to : - Investigate - Require XXXX  to verify the information - Delete the account if XXXX  could not provide proof XXXX can not verify : - Postrepossession notice - Notice of sale - Commercially reasonable sale documentation Yet the bureaus continued reporting the repossession. 

C. FCRA 1681e ( a ) Failure to Follow Reasonable Procedures to Assure Accuracy The bureaus must have systems in place to prevent inaccurate reporting.

Continuing to report a repossession that is legally defective violates this requirement.

D. FCRA 1681i ( a ) ( 5 ) Duty to Delete Unverifiable Information If XXXX  can not verify the repossession with legally required documentation, the bureaus must delete it. 
They failed to do so.

E. FCRA 1681c Reporting Legally Defective Information Information resulting from an unlawful repossession is legally invalid. 
Reporting it violates the FCRAs accuracy requirements. 

XXXX. Harm Suffered Because the bureaus continue to report this inaccurate repossession, I have suffered : - Lower credit scores- Denial or adverse terms of credit - Financial harm - Emotional distress - Loss of statutory rights - Time and resources spent correcting errors Conclusion XXXX  has a documented pattern of failing to follow autofinancing laws, including a federal lawsuit filed against them. 

They failed to provide the legally required repossession notices and sale documentation in my case, making the repossession * * unverifiable * * and * * legally invalid * *. 
The credit bureaus are violating the FCRA by continuing to report this information. 

I request immediate investigation and corrective action.

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