Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : FORMAL DISPUTE DEMAND FOR REMOVAL OF INACCURATE AND UNVERIFIED Outdated RECORD To Whom It May Concern, I am formally disputing the inaccurate and improperly reported repossession on my credit report.

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to report only verified, accurate, and legally permissible information. This repossession entry violates multiple sections of the FCRA, and I am demanding its immediate removal due to the following legal deficiencies : Accounts 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Please remove it from my credit report. 
15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

1. Failure to Verify Accuracy 15 U.S.C. 1681i As per 15 U.S.C. 1681i, I demand a method of verification ( MOV ) proving that this repossession was properly reported, verified, and investigated. The burden of proof is on you to provide the original documentation from the furnisher ( lender ) that proves : The exact date of delinquency and repossession The contract I signed allowing for repossession reporting The complete payment history leading up to the repossession If you can not verify these details with legally sufficient evidence, this repossession must be deleted immediately as required by the FCRA.

2. Lack of Permissible Purpose 15 U.S.C. 1681b Under 15 U.S.C. 1681b, any party reporting information on my credit file must have a valid permissible purpose to access and furnish data. I demand that you provide documentation proving that the repossession lender had : Written authorization to pull my credit report A legitimate reason to report this repossession If no such proof exists, this constitutes an FCRA violation, and the repossession entry must be removed immediately. 
3. Reporting of Inaccurate or Incomplete Information 15 U.S.C. 1681s-2 Under 15 U.S.C. 1681s-2, furnishers must report complete and accurate information to the credit bureaus. This repossession contains one or more inaccuracies, including but not limited to : Incorrect balance owed Wrong date of delinquency Failure to update account status after auction sale Failure to adjust deficiency balance correctly Since these errors violate the accuracy requirements of the FCRA, the repossession must be removed as the law requires. 
Legal Liability and Damages for Non-Compliance If this repossession is not removed or corrected as per FCRA requirements, I will have no choice but to : 1. File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney Generals office. 
2. Pursue legal action against the furnisher and credit reporting agencies under 15 U.S.C.

1681n for willful noncompliance, which allows for actual damages, statutory damages up to {$1000.00} per violation, and punitive damages in federal court.

Final Demand I expect written confirmation within 30 days verifying that this repossession has been permanently deleted from my credit file. Additionally, I demand an updated copy of my credit report reflecting this removal. 

Failure to comply will result in immediate escalation, including legal and regulatory action. 
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