Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX Phone : XXXX Email : XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Reporting of Loan Information for Credit Reporting Purposes Dear Experian, I am writing to report the details of a loan transaction for credit reporting purposes as the lender. Below are the specifics of the loan and borrower : Borrower Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX Social Security Number : [ Borrowers XXXX Date of Birth : XXXX Loan Details : Lender Name : XXXX XXXX XXXX Amount : {$10000.00} Interest Rate : 0 % Loan Type : Secured Collateral : Element XXXX Smart TV ( Serial Number : XXXX ) XXXX XXXX XXXX XXXX XXXX ( Serial Number : XXXX ) XXXX XXXX Fusion ( VIN : XXXX ) Payment Terms : The borrower will make monthly payments of {$3300.00} on the first day of each month, starting from XX/XX/XXXX, until the loan is fully repaid. 

Payment Schedule : First Payment : XX/XX/XXXX Second Payment : XX/XX/XXXX Third and Final Payment : XX/XX/XXXX Additional Information : XXXX Filing Reference Number : XXXX Account Number : XXXX I would appreciate your assistance in reflecting this information on the borrower 's credit report. If you require any further information or documentation to facilitate this process, please do not hesitate to contact me at XXXX or XXXX. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX the updated legal receipt with the date set to XX/XX/XXXX : -- - LEGAL RECEIPT OF LOAN TRANSACTION Date : XX/XX/XXXX Receipt No. : [ Insert Receipt Number ] -- - Lender Information : Name : XXXX XXXX Address : XXXX XXXX Ct, XXXX XXXX, CA XXXX Phone Number : XXXX Email : XXXX Borrower Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone Number : XXXX Personal Email : XXXX Business Email : XXXX Business Phone : XXXX -- - Loan Transaction Details : XXXX. Principal Amount : {$10000.00} XXXX. XXXX XXXX : 0 % XXXX. Payment Schedule : First Payment : {$3300.00} due on XX/XX/XXXX Second Payment : {$3300.00} due on XX/XX/XXXX Third Payment : {$3300.00} due on XX/XX/XXXX XXXX. XXXX XXXX XXXX : {$10000.00} XXXX. Payment Method : [ Cash/Check/Other ( Specify ) ] -- - Collateral Secured : This loan is secured by the following collateral in accordance with California UCC laws : XXXX. Element XXXX XXXX XXXX Serial Number : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Serial Number : XXXX XXXX. XXXX XXXX XXXX XXXX : XXXX License Plate : XXXX -- - Security Agreement : This receipt confirms that a Security Agreement has been executed between the Lender and the Borrower. This agreement grants the Lender a security interest in the collateral listed above until the loan amount is paid in full, in accordance with California Uniform Commercial Code ( UCC ) Section 9-203. The Borrower retains possession of the collateral during the repayment period.

-- - UCC Filing : The Lender has filed a UCC-1 Financing Statement with the California Secretary of State to perfect the security interest in the collateral as required by California UCC Section 9-310. 


-- - Governing Law : This receipt, along with the Promissory Note and Security Agreement, shall be governed by and construed in accordance with the laws of the State of California and the Uniform Commercial Code. 


-- - Acknowledgment of Receipt : By signing below, the Borrower acknowledges receipt of the Loan Transaction and agrees to the terms outlined herein, including the payment schedule and collateral securing the loan.

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