Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX To : Experian ( or Equifax, TransUnion ) Subject : Formal Dispute Inaccurate Repossession Reporting Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX To Whom It May Concern, I am formally disputing the above account pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) and 607 ( b ).

This tradeline is connected to a voluntary repossession from XXXX, followed by a default judgment in XXXX. However, the account is still reporting a balance of {$10000.00} which is inaccurate and misleading for the following reasons : - The balance does not reflect any credit from post-repo auction proceeds. 
- No deficiency notice was provided per UCC 9-610 ( c ).

- Reporting both a judgment and an active tradeline balance constitutes duplicate and misleading reporting, violating FCRA 607 ( b ). 
- The account is incomplete and unverifiable, lacking required validation under FCRA 609 ( a ) ( 1 ) and 623 ( b ).

Furthermore, the account is reporting a balance of {$10000.00} as of XX/XX/XXXX, despite being closed since early XXXX and the collateral being surrendered voluntarily. This is inaccurate and misleading. There is no documentation proving : - That the vehicle was sold in a commercially reasonable manner ( UCC 9-610 ) - That I was provided with a proper notice of sale and deficiency balance - That any auction proceeds were applied to reduce the balance If XXXX XXXX XXXX can not provide full documentation of the repossession process, deficiency balance calculation, and legal notices, this item is in violation of FCRA 609 ( a ) ( 1 ), 607 ( b ), and 611 ( a ) and must be permanently deleted.

I demand that you either : 1. Verify this account with original documentation ( contract, repo sale, deficiency balance, legal judgment breakdown ), or 2. Delete this tradeline in full compliance with FCRA 611 ( a ) ( 5 ).

Failure to resolve this matter within XXXX XXXX will result in formal complaints filed with the CFPB, Arkansas Attorney General, and consideration of civil remedies under FCRA 616. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX To : Experian ( or Equifax, TransUnion ) Subject : Dispute of Civil Judgment Reporting Creditor : XXXX XXXX XXXX Court Case # XXXX XXXX Insert Case Number if Known ) To Whom It May Concern, I am disputing the civil judgment reporting connected to XXXX XXXX  XXXX, resulting from a default judgment in XXXX. This judgment is being reported either inaccurately or without the required verification per the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 611 ( a ), and 605 ( a ) ( 2 ).

If this judgment is being reported in addition to a repossession tradeline, that constitutes duplicate derogatory reporting for the same debt. Moreover, unless you can verify the complete and accurate reporting of the judgment, including : - Court name and docket number - Judgment amount and date - Current status ( satisfied, dismissed, or active ) you are required by FCRA 611 ( a ) ( 5 ) to delete it from my report. 

Please complete your investigation within the XXXX timeframe and respond with full documentation or immediate deletion. 



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