Consumer complaint received 2025-12-09 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: FL

Complaint narrative:
* * * This is a new investigation and not a repeat complaint. * * * XXXX XXXX XXXX XXXX is reporting an auto account on my credit report. I submitted a written request for verification, asking for specific documents including proof of funding, consideration, accounting ledger, chain of assignment, and proof that XXXX XXXX used its own capital rather than warehouse funding. They did not provide any of these items. 

Their response included only billing statements and a generic promissory note. This does not satisfy the verification requirements I requested. 

Why I am filing : This is a new investigation and not a repeat complaint. XXXX XXXX is reporting information that is not verified, not substantiated, and may be inaccurate under the FCRA.

What I want : A fair resolution is the immediate removal of the tradeline if XXXX XXXX can not fully verify : Funding source Consideration Ownership Assignment history Custodian of original contract Accounting ledger Re : Notice of Intent to Pursue Remedies This letter serves as formal notice that unless XXXX XXXX provides full and complete validation of the account referenced above, including all documents previously listed, I will pursue all remedies available to me through consumer protection channels and civil avenues. 

This is not a threatthis is a statement of my intention to protect my rights as allowed under federal consumer laws. 

602 ( a ) Credit reporting must be accurate 607 ( b ) Furnishers must maintain reasonable procedures to ensure accuracy 609 ( a ) ( 1 ) Right to obtain information on file 611 ( a ) ( 1 ) ( A ) Duty to reinvestigate disputed information 611 ( a ) ( 5 ) ( A ) MUST delete unverifiable information 623 ( a ) ( 1 ) ( A ) Prohibits reporting information that can not be verified 623 ( a ) ( 3 ) Furnishers must provide notice of dispute 623 ( b ) ( 1 ) ( A ) - ( E ) DUTY TO INVESTIGATE, REVIEW, AND CORRECT Truth in Lending Act ( TILA ) 15 U.S.C. 1605 Determination of finance charge 15 U.S.C. 1638 Requirements for disclosures Regulation Z : 1026.17 Clear disclosure of creditor relationship Regulation Z : 1026.18 Itemization of amount financed ( ledger required ) UCC Article 9 Secured Transactions UCC 9-102 ( a ) ( 11 ) Chattel paper definition UCC 9-203 ( b ) Attachment must include value given ( consideration ) UCC 9-210 Duty to provide accounting UCC 9-404 Rights of the debtor to enforce obligations UCC 9-609/9-610 Rules for secured creditors ( only if proven creditor ) NCUA Regulations 12 CFR 701.21 ( c ) ( 8 ) Credit unions must maintain accurate records 12 CFR 741.6 Reports and records must be complete, traceable, and auditable 12 CFR 717 Consumer information and accuracy requirements FDUTPA ( Florida Deceptive and Unfair Trade Practices Act ) 501.204 Unfair or deceptive acts 501.207 Remedies for consumers harmed

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