Consumer complaint received 2025-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Unlawful Repossession and Lack of Post-Repossession Notice Dear XXXX XXXX, I am writing to formally dispute the repossession of my vehicle, which I believe was conducted unlawfully due to your failure to provide a post-repossession notice as required by Texas law and the Fair Credit Reporting Act ( FCRA ), specifically under Section 609 ( 15 U.S.C. 1681g ).

According to Texas law, lenders are required to send a post-repossession notice to the borrower, detailing the sale of the vehicle and any rights I may have regarding its redemption before the sale. To date, I have not received such notice, which constitutes a violation of my rights. 

ACCOUNT NAME : XXXX XXXX ACCOUNT # XXXX Please consider this letter as my formal dispute regarding the repossession of my vehicle. I request that you provide me with the following information : 1. A copy of the post-repossession notice that was supposed to be sent to me.

2. Any documentation that supports the repossession and sale of my vehicle.

3. An explanation of the timeline and processes followed during the repossession. 

Additionally, I am requesting that you inform both credit bureaus, TransUnion and Experian, of this dispute and correct any inaccuracies related to the repossession on my credit report. 

Details of the Disputed Account : - Account Name : XXXX XXXX - Account XXXX - Date of Repossession : [ Insert Date ] Basis for Dispute : XXXX. Failure to Notify : Under the FCRA, I have the right to be notified of any negative information being reported. I did not receive proper notification regarding the repossession.

2. Lack of Court Order : According to Texas law, repossession can only occur with a court order if the vehicle is located on private property. I was not given the opportunity to rectify the situation before the repossession occurred.

3. Violating Lockout Protections : Texas law prohibits repossession agents from entering locked property without permission.

4. Improper Notice of Default : I was not given a proper notice of default or a chance to cure the default as required by Texas law.

5. Bankruptcy Protections : I had filed for bankruptcy on [ Insert Date ], which should have halted all collection activities, including repossession.

6. Missed Payment Notification : I was not provided with a clear, documented notice of missed payments that would have initiated the repossession process.

I expect a prompt response to this letter, as well as any necessary documentation. Please respond to me in writing at the address provided above within 30 days. 

Thank you for your attention to this matter. I look forward to your timely resolution of this issue. 

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