Consumer complaint received 2025-09-22 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: TX

Complaint narrative:
Formal Dispute and Request for Removal of Inaccurate Credit Information XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX A XXXX, I am writing to formally dispute inaccurate, incomplete, and potentially illegally reported information on my Experian credit report regarding an account with XXXX XXXX XXXX ( account number XXXX ). I request an immediate investigation under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the complete removal of this account from my credit file due to violations of accuracy, timeliness, and furnisher duties. I am submitting this complaint to the CFPB, Experian, FTC, and the Texas Attorney General to ensure a thorough review and resolution. 

XXXX XXXX XXXX Account Details and Reported Information - * * Account Number * * : XXXXXXXX XXXX XXXX XXXX  Creditor * * : XXXX XXXX XXXX - * * Account Type * * : Auto Loan - * * Date Opened * * : XX/XX/XXXX - * * Status * * : Closed, Repossession reported with {$13000.00} past due as of XX/XX/XXXX - * * Status Updated * * : XX/XX/XXXX - * * Original Balance * * : {$37000.00} - * * Last Payment Date * * : XX/XX/XXXX - * * Payment History * * : Delinquencies of XX/XX/XXXX days in late XXXX ; on-time from XX/XX/XXXX until payment cessation - * * Potentially Negative Months * * : XXXXXXXX XXXX XXXX XXXX  Grounds for Dispute and Request for Removal XXXX. * * Inaccurate Reporting of Post-Repossession Balance ( FCRA 1681s-2 ( b ) ) * * : The account shows a {$13000.00} past due balance as of XX/XX/XXXX, over XXXX years after the last payment ( XX/XX/XXXX ) and status update ( XX/XX/XXXX ). After repossession, the lender must apply proceeds from the vehicle sale to the balance. The failure to update this balancepotentially unreduced by sale proceedsrenders the information inaccurate and misleading, violating the furnishers duty to report complete and accurate data. 

XXXX. * * Failure to Update Outdated Information ( FCRA 1681i ) * * : Experian continues to report the account as " repossession '' with a past due amount " as of XX/XX/XXXX, '' despite no activity since XX/XX/XXXX. This suggests an automated or erroneous update, not reflecting the true current status ( e.g., charged off, settled, or zeroed ). This violates the CRAs obligation to ensure maximum accuracy and update information upon investigation. 

XXXX. * * Potential Over-Reporting of Negative Months * * : The " XXXX potentially negative months '' XXXX include improperly extended reporting. The XXXX reporting period began with the first delinquency ( ~late XXXX ), expiring ~late XXXX. If the XXXX " past due as of '' date re-ages the delinquencies, it violates FCRA 1681c ( a ) ( XXXX ), which prohibits re-aging negative information. 

XXXX XXXX XXXX  Supporting Evidence - My credit report screenshots ( attached ) show the above details, including the static {$13000.00} balance and outdated status. 
- No documentation of vehicle sale proceeds or deficiency balance resolution has been provided, supporting the claim of incomplete reporting. 
- The last payment ( XX/XX/XXXX ) and status update ( XX/XX/XXXX ) indicate no recent activity to justify the XXXX past due reporting. 

XXXX XXXX XXXX  Requested Actions Under FCRA 1681i and 1681s-2 ( b ), I demand : XXXX. An immediate investigation into the accuracy of this accounts reporting by Experian and XXXX XXXX XXXX. 
XXXX deletion of the {$13000.00} past due balance and repossession status, as they appear inaccurate and outdated. 
XXXX. Removal of the entire account from my Experian credit report if inaccuracies can not be resolved within XXXX  days. 
XXXX. Notification of all changes and the results of the investigation in writing, sent to the above address. 

XXXX XXXX XXXX  Additional Concerns - This inaccurate reporting has likely damaged my XXXX XXXX, hindering my ability to secure loans or favorable interest rates. 
XXXX XXXX XXXX XXXX has a history of deceptive subprime auto lending practices, as noted in CFPB and NY XXXX settlements, suggesting systemic reporting issues. 

# # # XXXX XXXX I reserve the right to pursue legal action for willful or negligent FCRA violations, which XXXX entitle me to actual damages, statutory damages ( {$100.00} {$1000.00} per violation ), punitive damages, and attorney fees ( XXXX, XXXX ). This letter serves as formal notice, and I expect compliance within the XXXX investigation period. 

Please acknowledge receipt of this dispute in writing. Enclosed are copies of my credit report excerpts and identification. Do not share my personal information with third parties without my consent. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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