Consumer complaint received 2025-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Debt Validation Request Account # XXXX ( FDCPA & XXXX XXXX Compliance ) Date : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of the information reported concerning the account detailed below and to request full validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and Metro 2 Credit Reporting Compliance Standards. 
Account Information : * Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX * Account Type : Auto Loan * Date Opened : XX/XX/XXXX * Reported Status : Charged Off * Balance : {$22000.00} ( Reported as of XX/XX/XXXX ) * Original Balance : {$53000.00} * Terms : XXXX XXXX  * On Record Until : XX/XX/XXXX Debt Validation Request ( 15 U.S.C. 1692g ) Please provide the following documentation to validate the debt and cease all collection efforts until full validation is complete : 1. The name and address of the original creditor ; 2. A detailed breakdown of the alleged debt, including all fees, charges, interest, and balance calculations ; 3. A copy of the original signed agreement ( with wet-ink signature ) establishing the debt ; 4. A complete payment history for the account ; 5. Proof of lawful repossession, including notice of default and opportunity to retrieve personal property ; 6. Verification of your authority to collect this debt, including relevant licensing or assignment documentation.

Metro 2 and FCRA Compliance Concerns The following reporting issues may constitute violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines : * Inconsistent or inaccurate opening date, balance, charge-off details, and payment history across credit bureaus ; * Reporting a charged-off account while simultaneously maintaining an active balance with no monthly payment obligation, which conflicts with standard Metro 2 coding XXXX XXXX Failure to accurately reflect the date of last payment, repossession, and charge-off status with uniformity across bureaus. 

Repossession Dispute I dispute the legality of the vehicle repossession. I was not notified properly and was not given a reasonable opportunity to retrieve personal property, which is a violation of both state laws and federal protections. Please provide documentation proving lawful repossession procedures were followed.

Action Requested Until the requested validation is provided : * All collection efforts must cease as per FDCPA 15 U.S.C. 1692g ( b ) ; * The account must be reviewed and corrected in full compliance with Metro 2 and e-OSCAR reporting procedures; * If validation can not be completed, I demand the immediate removal of this tradeline from all consumer reporting agencies. 
Thank you for your attention to this matter. I expect a timely response within the period prescribed by law. 
Sincerely, XXXX XXXX XXXX XXXX, TX XXXX : ( XXXX ) XXXX Email : 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