Consumer complaint received 2025-11-15 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: KS

Complaint narrative:
DISPUTE LETTER XXXX ( REPOSSESSION / CHARGE-OFF ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Kansas XXXX XX/XX/XXXX Re : Formal Dispute Under the Fair Credit Reporting Act ( FCRA ) Creditor : XXXX Account Type : Auto Loan Repossession / Charge-Off Account Number : ( as listed on report ) Reason for Dispute : Multiple Factual Reporting Errors, Inconsistent Dates, and Unverifiable Account Information To whom it may concern : I am writing to dispute several inaccurate and inconsistent items appearing on my credit report regarding the XXXX auto loan. Under FCRA 602 ( A ), 607 ( b ), and 611, you are required to report only information that is accurate, complete, and verifiable. 

This account contains numerous reporting errors, conflicting dates, and mathematical inconsistencies. These inaccuracies violate the FCRA and must be corrected or deleted. 


LINE-ITEM REPORTING ERRORS ( DETAILED ) Below are the exact errors showing why this account can not be verified. 


1. Conflicting Status and Payment Dates Status shows : Repossession/Charge-Off Updated XX/XX/XXXX BUT the report also shows last payment date : XX/XX/XXXX. 

A repossessed, charged-off account can not have payments reported after the charge-off date.

This violates : FCRA 607 ( b ) reasonable procedures to assure maximum accuracy FCRA 602 ( A ) fairness and accuracy in reporting 2. Inconsistent Balance Reporting Your report shows two different balances for the same account : {$8000.00} current balance {$10000.00} written off Balances can not both be current and charged off at different amounts. This is a direct accuracy violation. 



XXXX. Incorrect Amount Past Due XXXX shows : Past Due : {$8000.00} Once an account is charged off or repossessed, a past due balance must be XXXX because the account is no longer in active repayment. 

This violates the Metro-2 Credit Reporting Guidelines .

4. Payment History Conflicts Multiple months show duplicate or conflicting late statuses : o XXXX, XXXX, XXXX, XXXX, XXXX, XXXX late markers inconsistent across years o Same month marked twice in different statuses Repossession months incorrectly show late payments after repossession. 


This is not permissible under the FCRA. 


5. Wrong Charge-Off/Repo Timeline The repossession date does not match the charge-off entry timeline.

Reporting continues as if the account is still active, even after repossession. 


This creates an unverifiable delinquency timeline, violating : FCRA 602 ( A ) FCRA 607 ( b ) Because of these errors : The account is inaccurate, incomplete, and can not be verified in its current form.

REQUEST FOR ACTION ( FCRA 611 ) I request that you : DELETE this account entirely OR Correct ALL inaccurate, conflicting, and unverifiable information listed above. 

Additionally, please provide : The results of your investigation, An updated copy of my credit report, and A description of the method of verification ( FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ). 


Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XX/XX/XXXX Last 4 of 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