Consumer complaint received 2025-01-04 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: CA

Complaint narrative:
I am writing to formally dispute the accuracy and validity of several debts and entries on my credit report, as detailed below. I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate these matters and take appropriate action to ensure compliance with applicable federal and state laws. 

XXXX. XXXX XXXX XXXX 

Account XXXX : XXXX I am not liable for the reported debt of {$55.00} to XXXX XXXX XXXX This account has been erroneously listed, and the company has failed to provide me with the original contract bearing my wet signature and identification. Without such documentation, this debt is unverifiable and unenforceable. 

XXXX. XXXX XXXXXXXX XXXX SS Account Numbers : XXXX and XXXX XXXX XXXX XXXX SS is listed twice on my credit report with two different account numbers. This duplication is misleading and inaccurate. Additionally, the company has not provided any original contract or documentation to substantiate these entries. Under the Fair Credit Reporting Act ( FCRA ), information reported to credit bureaus must be accurate and verifiable. I request the removal of these entries until proper documentation is provided. 

XXXX. XXXX XXXX XXXX  Financing Account Number : XXXX Balance : {$5800.00} The reporting and handling of the debt related to XXXX XXXX XXXX Financing involve multiple violations, as outlined below : Failure to Notify of Sale : XXXX XXXX XXXX  XXXX failed to notify me of the sale of the repossessed vehicle, including when and where the sale would take place. This lack of notification is a direct violation of my rights under the Uniform Commercial Code ( UCC ) and federal law. Such failure renders the deficiency balance unverifiable and unenforceable. 

Lack of Accurate Accounting : The lender has not provided an accurate accounting of the sale proceeds and any claimed deficiency balance. Under the Truth in Lending Act ( TILA ), creditors are required to clearly and timely disclose all terms and balances. The absence of this information invalidates the debt.

Unverifiable Information : Under the FCRA, information reported to credit bureaus must meet the standard of accuracy and verifiability. Without proper documentation and notification, this entry fails to comply with 15 U.S.C. 1681s-2.

Noncompliance with the UCC : The repossession process did not adhere to UCC requirements. As a result, the purported deficiency balance is invalid and must be removed from my credit report.

FDCPA Violations : Any collection efforts on this alleged deficiency balance must comply with the Fair Debt Collection Practices Act ( FDCPA ). Attempts to collect an invalid debt, coupled with the failure to provide proper notices, constitute violations of 15 U.S.C. 1692d ( prohibition of harassment ) and 1692e ( prohibition of false or misleading representations ).

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