Consumer complaint received 2025-03-27 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: MS

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy of a repossession entry on my credit report. The account in question has been fully paid, yet it continues to be reported inaccurately, which adversely affects my credit standing. 

Disputed Account Details : Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Repossession : XX/XX/XXXX Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute information they believe to be inaccurate. Specifically : FCRA 611 ( a ) ( 1 ) ( A ) : Mandates that credit reporting agencies must conduct a reasonable reinvestigation if a consumer disputes the completeness or accuracy of any item of information contained in their file.

FCRA 623 ( a ) ( 1 ) ( A ) : Requires furnishers of information to ensure the accuracy of the data they provide to credit reporting agencies.

Consumer Financial Protection Bureau The continued reporting of this repossession, despite full payment, constitutes inaccurate and incomplete information, violating my rights under the FCRA.

Requested Action : I request that Transunion, Equifax, and Experian take the following actions : Conduct a Reinvestigation : Initiate a thorough reinvestigation into the accuracy of the repossession entry associated with the account detailed above. 
Remove and block the account : Based on the findings of the reinvestigation, promptly update the account status to reflect its paid status or remove the repossession entry entirely from my credit report. 
Provide Verification Documentation : Supply all documentation and information used during the reinvestigation to verify the accuracy of the disputed information.

Enclosures : A copy of my credit report with the disputed repossession entry highlighted.

Proof of payment for the account in question.

Any additional supporting documentation relevant to this dispute.

Please address this matter promptly and provide a written response detailing the outcome of your reinvestigation within 30 days, as stipulated by the FCRA.

Thank you for your attention to this important matter. I look forward to your timely resolution of this issue to ensure the accuracy and integrity of my credit report. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I am writing to dispute certain items on my credit report that I believe are inaccurate and in violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I am contesting unauthorized hard inquiries. 

XXXX. Unauthorized Hard Inquiries Upon reviewing my credit report, I identified the following hard inquiries that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian Under FCRA 604 ( a ) , a consumer reporting agency may furnish a consumer report only under specific circumstances , such as with the consumer 's consent or in connection with a credit transaction initiated by the consumer. I did not authorize these inquiries, nor did I initiate any transactions with listed companies.

Requested Action : I request the immediate removal of these unauthorized hard inquiries from my credit report. Please provide documentation evidencing my authorization for these inquiries. If such documentation can not be provided, these inquiries must be deleted promptly. 

Thank you, 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