Consumer complaint received 2026-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Direct Dispute Under FCRA 1681s-2 / Demand for Validation of Deficiency Balance Account XXXX To Whom It May Concern, This letter serves as a formal direct dispute regarding the accuracy and completeness of information you are furnishing to consumer reporting agencies concerning the above-referenced account. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), I am disputing the reporting of this account due to material inaccuracies and your failure to provide sufficient documentation supporting the alleged deficiency balance following repossession. This account involves a repossession and subsequent charge-off. However, critical required information has not been provided, and the account is being reported in a manner that is misleading, incomplete, and unverifiable. You are hereby required to investigate and provide documentation supporting the following : 1. Repossession Sale Documentation - Date of sale - Method of sale ( private or public ) - Sale price of the vehicle 2. Notice of Sale Compliance - Proof that proper notice of sale was provided to me prior to disposition of the vehicle- Copy of the actual notice sent, including date and method of delivery 3. Deficiency Balance Calculation - Full accounting of how the alleged balance of {$5600.00} was calculated - Application of sale proceeds to the account - Itemization of any fees, interest, or additional charges 4. Complete Payment History - Full account ledger from origination through charge-off 5. Credit Reporting Data Integrity - Explanation of how the account is being reported in compliance with Metro 2 standards - Clarification as to why past-due amounts are being reported after charge-off ( if applicable ) Be advised : If you are unable to provide the above documentation, the continued reporting of this account constitutes the furnishing of inaccurate and unverifiable information in violation of 1681s-2 ( a ) and 1681s-2 ( b ). Additionally, failure to provide proper notice of sale and an accurate deficiency calculation may render the alleged balance legally unenforceable. If you can not fully validate this account and its reporting, you are required to : - Immediately cease reporting this account to all consumer reporting agencies - Request deletion of all associated tradelines You have 15 days from receipt of this letter to provide the requested documentation. Failure to comply will result in the following actions : - Filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) - Filing complaints with applicable state regulatory authorities - Initiating legal action for violations of the FCRA and applicable state laws All future correspondence will be documented as evidence of your compliance or noncompliance. Sincerely, 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