Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Account name ; XXXX XXXX XXXX Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$8700.00} Account name XXXXXXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$8800.00} 15 U.S. Code 1601 - Congressional findings and declaration of purpose : This section outlines the purpose of the Truth in Lending Act, which is to help consumers make informed credit decisions by requiring clear disclosure of key terms and costs.

15 U.S. Code 1602 - Definitions : Provides definitions for terms used in the Act, including " credit, '' " creditor, '' " consumer, '' and " finance charge. '' 15 U.S. Code 1638 - Disclosure of terms : Requires lenders to disclose specific terms and conditions of the loan, including the annual percentage rate ( APR ), the amount financed, the total of payments, and other significant terms.

15 U.S. Code 1639 - Requirements for certain mortgages : Although more focused on mortgages, this section outlines requirements for adjustable-rate mortgages that can also be relevant for understanding lending practices. 

15 U.S. Code 1640 - Liability of creditors : Specifies the penalties and liabilities for creditors who fail to comply with the disclosure requirements.

15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy.

The vehicle in question Under the laws of ( California ) and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all the required notices were properly and timely given to me per law, and all the allowable redemption and cure time limits were adhered to. 
I demand XXXXriginal Validation proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS.

9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. 
If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. I demand you to delete this account from my credit report immediately.

In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies. 
Furthermore, you are hereby notified that at no point in time and under no circumstances are your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system.

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