Consumer complaint received 2024-11-12 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: GA

Complaint narrative:
Grounds for Dispute : 1. Inaccurate Balance and Lack of Sale Documentation Due to XXXX XXXX XXXX XXXX XXXX repossessed my vehicle and, through its negligent practices, failed to provide documentation confirming the date or amount of sale. Limited online access to XXXX  account website revealed a different balance than what XXXX XXXX is inaccurately reporting to credit bureaus. This incompetence in basic reporting standards has resulted in misinformation on our credit profiles. 
Violation of FCRA Section 623 ( a ) ( 1 ) ( A ) : This law mandates that furnishers of credit information provide accurate and complete information. Due to XXXX XXXX inefficiency and failure to properly document or verify the sale details, this reported balance is false and should be deleted immediately. 
2. Unresolved Warranty Refunds and Persistent Lack of Communication From XXXX to XX/XX/2024, the vehicle was in the shop due to transmission issues. Despite repeated attempts, XXXX XXXX failed to communicate effectively during this period and ultimately repossessed the car without refunding my separate, paid warranties on tires, windows, and other components. This incompetent communication and lack of attention to detail further distorts the balance owed and must be corrected. 
I filed a complaint with XXXX XXXX XXXX ( XXXX XXXX. XXXX ), managed by Escalation Representative XXXX ( contact : XXXX ( XXXX ) XXXX ). Their continued negligence in not refunding or crediting these warranties makes the reported balance inaccurate. 
Violation of FCRA Section 605 ( a ) ( 1 ) : Due to XXXX XXXX inefficient handling of warranty refunds, the balance reported is false and must be deleted. 
3. Failure to Provide Required 1099-C Form for Written-Off Balance XXXX XXXX has reportedly written off {$27000.00} yet failed to issue a 1099-C form as required by the IRS for discharged debts. This failure to meet basic reporting requirements again reflects XXXX XXXX incompetence and disregard for regulatory compliance. 
4. Uncredited Items ( Keys and Warranty Refunds ) I still possess XXXX car keys, which have significant replacement value, and other warranty entitlements that should reduce any outstanding balance. XXXX XXXX failure to properly account for these items shows continued inefficiency and negligence. 

Request for Deletion Under FCRA and Supporting Evidence Pursuant to FCRA Section 611 ( 15 U.S.C. 1681i ), if any credit information is found to be inaccurate or unverifiable, it must be promptly deleted. Due to XXXX XXXX persistent negligence, inefficiency, and failure to uphold FCRA standards, I request the immediate removal of this account from both my and my son XXXX XXXX credit reports. 

Conclusion XXXX XXXX has demonstrated gross negligence and incompetence by failing to provide accurate information, failing to issue required documents, and neglecting to uphold standard credit reporting practices. I demand prompt action to remove this account from both credit reports, given the serious FCRA violations involved. Failure to do so will further demonstrate a lack of commitment to fair consumer practices and accurate reporting standards. 

Please expedite the investigation, as these inaccuracies are causing undue harm to both my and my sons credit report.

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