Consumer complaint received 2024-09-26 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX | XXXX : XX/XX/XXXX XX/XX/XXXX Experian Legal Department Subject : Urgent Request for Deletion and Correction of Inaccurate Information on Credit Report Violations of FCRA XXXX UCC XXXX TILA and State Laws Disputed Account : XXXX XXXX Account Number : XXXX Dear Experian, I hereby request the immediate deletion of the above account due to inaccurate information and omissions that have been repeatedly disputed without adequate resolution. These discrepancies constitute serious violations of several laws, including : Fair Credit Reporting Act ( FCRA ) Uniform Commerce Law ( UCC ) California Consumer Credit Protection Act ( CCCRA ) Truth in Lending Act ( TILA ) Here are the reasons for my dispute : 1. Right to Accurate Information ( FCRA Section 609, 15 U.S.C. 1681g ) I request a thorough investigation into the vehicle replacement and residual balance. If this information can not be verified, I request its immediate removal from the report.

2. Request for Reinvestigation ( FCRA Section 611, 15 U.S.C. 1681i ) I have already disputed this information on multiple occasions without any necessary corrections being made. I demand that Experian conduct a new investigation and correct this information immediately.

3. Deletion of Unverified Information ( FCRA Section 611, 15 U.S.C. 1681i ( 5 ) ) If upon reinvestigation the information is found to be inaccurate or unverifiable, it must be deleted immediately.

4. Violation of Responsibilities of Information Providers ( FCRA Section 623, 15 U.S.C. 1681s-2 ) The incorrect information provided by XXXX XXXX XXXX a direct violation of its obligations. If you have not corrected these errors, additional action will be taken.

5. Accuracy Compliance ( FCRA Section 607, 15 U.S.C. 1681e ) Experian has not followed reasonable procedures to ensure the accuracy of the information in my credit report.

6. Impact on my Creditworthiness and Damages These inaccuracies have negatively affected my ability to obtain credit, causing me financial and emotional harm. Under FCRA Section 616 ( 15 U.S.C. 1681n ), I am entitled to compensation for these damages.

7. Truth in Lending Act ( TILA Section 1601, 15 U.S.C. 1601 ) Inaccuracies in loan terms, such as the remaining balance, are a violation of TILA.

I further note the following : UCC Violations and Duty of Good Faith : The UCC ( Section 1-203 ) requires that one must act in good faith, which has been violated in this case due to the omission of key information.

Missing Residual Balance and Form 1099-C Information : I demand that any debt cancellations and Form 1099-C issuances be reflected on my report.

Payment History Discrepancies : I demand that evidence of the " 2 POTENTIALLY NEGATIVE MONTHS '' be documented or these records be removed.

Incorrect Account Update Dates : I request that the dates be corrected to reflect actual events.

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