Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Name : [ XXXX XXXX XXXX ] Address : [ XXXX XXXX XXXX XXXX XXXX MI ] Phone Number : [ XXXX ] Email Address : [ XXXX ] Company Name ( XXXX, XXXX, Experian ) : Company Name : [ XXXX ] Account Number : [ Credit Acceptance ] Date of Incident : [ Different dates not accurate ] Complaint Regarding Inaccurate Credit Reporting and Violation of Consumer Rights Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) Details of Complaint : Dear CFPB, I am submitting a complaint against [ Credit Reporting Agency or Creditor Name ] for violating several provisions under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Specifically, I believe the following violations have occurred regarding my credit report : Inaccurate Reporting of Account Status - Violation of FCRA ( 15 U.S.C. 1681e ( b ) ) The reporting of my account status across different credit reporting agencies is inconsistent and inaccurate. For example, [ Name of Credit Reporting Agency ] lists the account as [ describe the status, such as " Voluntary Repossession '' or " Foreclosure '' ], while other agencies, such as [ list other agencies ], report different statuses, including [ list conflicting status reports ]. 
This inconsistency has led to confusion regarding the actual status of my account and has negatively impacted my credit score.

Failure to Report Accurate Payment History - Violation of FCRA ( 15 U.S.C. 1681e ( b ) ) The payment history reported on my credit report is inaccurate. [ Name of Credit Reporting Agency ] reports months as " FC '' ( Foreclosure ) when the account was not in foreclosure during those months. This is incorrect, and the payment history is inconsistent with my actual payments. 
I request an immediate correction of this reporting, as it violates the FCRA 's requirement for maximum accuracy. 
Failure to Update the Balance After Repossession or Voluntary Surrender - Violation of FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ) My credit report continues to show an inaccurate balance of [ {$4700.00} ] after a repossession or voluntary surrender. I believe the balance should reflect the current status after the vehicle was sold, and any remaining deficiency balance should be accurately reported. 
Failure to update this information is a violation of the FCRA, which requires creditors to report accurate information regarding the balance of the account. 
Failure to Investigate Disputed Information - Violation of FCRA ( 15 U.S.C. 1681i ( a ) ) I have disputed the inaccurate information in my credit report with [ XXXX, XXXX, experian ] on [ XX/XX/2024 ], but no investigation or resolution has occurred. Under the FCRA, the agency is required to investigate and correct any inaccuracies within a timely manner. This failure to respond is a violation of my rights under the FCRA. 
Inadequate Debt Validation Information - Violation of FDCPA ( 15 U.S.C. 1692g ) I have not received the proper validation of the debt from the creditor or collection agency. I have requested specific details regarding the balance, payment history, and original contract, but have not received a satisfactory response. 
Under the FDCPA, I am entitled to request and receive debt validation within 30 days of receiving a collection notice, which has not occurred. 
I expect a response to this complaint within [ 30 days ], in accordance with the regulations under the FCRA and FDCPA. 

Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ] [ XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MI ] [ 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