Consumer complaint received 2025-03-14 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: TX

Complaint narrative:
I am submitting a formal complaint against XXXX XXXX XXXX XXXX, as well as the XXXX major credit reporting agencies ( Experian, XXXX, and XXXX ), for failing to remove inaccurate and unverifiable information from my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Background of the Dispute : On [ XX/XX/year> ], I sent a formal dispute letter to Experian, XXXX, and XXXX regarding an inaccurately reported repossession on my credit report for XXXX XXXX XXXX XXXX Account. The vehicle in question was involved in a motor vehicle accident, ruled a total loss, and I was released from financial responsibility. Despite this, XXXX XXXX continues to report the account as a charge-off/repossession, and the credit bureaus have failed to correct this false information. 

Violations Committed : 1. Failure to XXXX a Proper Investigation FCRA 611 Under the FCRA, credit bureaus are required to investigate disputes and verify the accuracy of reported information within 30 days. If the furnisher ( XXXX XXXX ) can not provide verifiable proof that the debt remains valid post-total loss, the negative item must be removed. 
The bureaus have failed to provide validation or a reasonable explanation for continuing to report this inaccurate information. 
2. Unverifiable XXXX FCRA 609 I requested full validation of the debt, including proof that the balance is legally owed despite the total loss ruling. No sufficient documentation has been provided, yet the bureaus continue to allow XXXX XXXX to report inaccurate data. 
3. Attempted Collection on an Invalid Debt FDCPA XXXX If XXXX  XXXX or any third-party agency is attempting to collect on a debt that was XXXX due to a total loss, this constitutes fraudulent and misleading collection practices under the FDCPA. 
4. Willful and Negligent Noncompliance FCRA XXXX & XXXX Both the credit bureaus and XXXX XXXX have willfully ignored federal consumer protection laws by failing to remove a clearly invalid account, subjecting me to financial harm through lower credit scores and unfair collection attempts. 

Legal Precedent Supporting My Case : In XXXX XXXX Experian ( XXXX XXXX XXXX, Case No. XXXX ), the plaintiff successfully had a repossession removed after proving that the vehicle was totaled, and no further balance was legally owed. The court ruled that continued reporting of the account violated the FCRA, setting a precedent for cases like mine. 

Requested Resolution : I am requesting immediate intervention to ensure the following corrective actions are taken : 1. Permanent removal of the inaccurate repossession from my credit report with all three credit bureaus. 
2. A formal response from XXXX  XXXX and the credit bureaus acknowledging their failure to comply with FCRA and FDCPA regulations. 
3. Investigation into XXXX XXXX unlawful collection practices regarding accounts that should have been XXXX after a total loss. 

If corrective action is not taken within 15 days, I will escalate this matter further through civil litigation under the FCRA and FDCPA, where damages for willful noncompliance can result in fines and punitive compensation. 

I expect a prompt response to this matter. Please send all correspondence regarding this complaint to my mailing address listed above. 

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