Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Request for Reinvestigation of XXXXXXXX XXXX  Account Under the Servicemembers Civil Relief Act To Whom It May Concern, I am writing to formally request that the Consumer Financial Protection Bureau ( CFPB ) reinvestigate the handling of a dispute regarding a debt reported by XXXX XXXX. I previously submitted a complaint, but it was returned with a statement that the debt had been verified without providing any documentation of the verification process. I believe this debt was incorrectly reported due to protections afforded under the Servicemembers Civil Relief Act ( SCRA ).

**Background Information : ** - I am an active-duty service member, and at the time of the lease in question, I was sent to deploy on the XXXX XXXX XXXX XXXX from XX/XX/year> until XXXX XXXX. While my deployment orders do not explicitly state that my ship was deployed, its deployment status is verifiable through publicly available information. I request that this be considered as part of the investigation. 
- Additionally, my then-spouse was reassigned out of state under military orders effective XX/XX/year>. I have attached both sets of orders for reference. 
- The vehicle lease with XXXX XXXX was terminated in good faith due to these military obligations. Under the SCRA, service members are allowed to terminate vehicle leases without penalty when military orders necessitate such action. 

**Concerns About the Investigation : ** XXXX XXXX marked this account as a charge-off and reported it as a " Potentially Negative '' item on my credit report. Despite my previous dispute, the creditor has not provided any documentation showing how the investigation into this matter was conducted, nor have they addressed the application of SCRA protections. 

**Request for Reinvestigation : ** I am requesting the CFPB to thoroughly reinvestigate this matter, as I believe my rights under the XXXX have been violated. Specifically, I would like the following addressed : 1. Documentation of how XXXX XXXX verified the debt and charge-off status during the original investigation. 
2. An assessment of whether XXXX XXXX properly applied the SCRA protections based on the documentation of my deployment and my spouse 's relocation orders.

3. Immediate removal of the charge-off status from my credit report if SCRA protections were not properly applied.

**Attached Documents : ** 1. My deployment orders ( XX/XX/year> ). 
2. My spouses relocation orders ( XX/XX/year> ). 
3. The original lease agreement 4. Correspondence related to the termination of the lease.

5. Credit report entry highlighting the charge-off.

I respectfully request that the CFPB assist me in resolving this matter by ensuring XXXX XXXX complies with federal laws protecting active-duty service members. If further documentation is required, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your attention to this matter. I look forward to hearing back with the results of the reinvestigation. 

Sincerely, XXXX XXXX

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