Consumer complaint received 2025-12-02 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:
XXXX XXXX is reporting late payments and derogatory information on an auto loan account that can not be legally verified because the lien/title was never received or perfected. This means the account is incomplete under UCC Article 9 and therefore not fully verifiable. The previous CFPB response did not address the core legal issue, and the inaccurate/incomplete information remains on my report. 

This inaccurate reporting has already caused me to be denied housing, and I am currently unable to secure an apartment because XXXX and the property rely on this unverifiable account. 

I am filing this complaint because XXXX XXXX XXXX XXXX is continuing to report late payments and derogatory information on an account that can not be legally verified, due to missing XXXX documentation. 

I provided documentation showing : XXXX XXXX did not receive the lien or title for the collateral securing this loan The lien was never perfected The account is therefore incomplete under UCC Article XXXX XXXX XXXX can not verify the security interest or contract in its entirety Even though the bank updated the current status after my initial CFPB complaint, they did not correct the late payment history, which is still appearing on my XXXX, Experian, XXXX and XXXX XXXX  report. 

This is legally insufficient because : Under FCRA 611, if information can not be verified in its entirety, it must be deleted, not partially updated. 
Under FCRA 623 ( a ) ( 1 ), furnishers are prohibited from reporting information they knowor should knowis incomplete or inaccurate.

Under FCRA 623 ( a ) ( 8 ), a furnisher must conduct a reasonable investigation when a consumer disputes directly, including reviewing ALL documentation. 
A partial verification is not permissible under FCRA or the case law ( XXXX XXXX XXXX XXXX ). 

If the account itself can not be legally verified, none of the associated data ( late payments, dates, status ) can be verified either. 

My original CFPB complaint was closed prematurely because the furnisher only responded with a partial update and did not address : The missing lien/title The XXXX confirmed there is no lien on XXXX title The unverifiable nature of the underlying contract The improper reporting of late payments I am requesting : A full reinvestigation Removal of the unverifiable account Removal of ALL associated late payments Confirmation that XXXX XXXX XXXX not continue reporting an account it can not fully verify XXXX XXXX XXXX XXXX incomplete and inaccurate information, and the FCRA requires deletion of unverifiable items. I am requesting CFPB assistance to ensure the account and all associated late payments are removed as required under federal law.

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