Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX Texas XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX  XXXX XXXX XXXX XXXX {$0.00}, account XXXX. The company did an illegal Repo as explained in letter also sent. Complaints was filed with the FTC, State of Texas and the NCUA. 
The account was never past due and should not have been repod. The customer even sent bank information that his account and bank account had been hacked during that time. The bank blocked me from making any payments online 3 month prior to SO CALLED REPO. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. This account has been removed by XXXX and I attached proof. 

Item # 2 : I dispute XXXX XXXX XXXX Balance {$24000.00}, account XXXX. This payment history is wrong. I have attached payment history XXXX XXXX XXXX agreed to. XXXX XXXX XXXX has been reporting my auto loan account XXXX. They are reporting this account as charge off no payment received. Yet I have been making payments over the last year. I have provided proof of some of the payments I have made. Please delete this account. XXXX  XXXX XXXX did not report this account correct for more than a year. 


Item # 3 : I dispute XXXX XXXX XXXX XXXX Acct : XXXX. This account was paid off in XXXX of XXXX, I have documents from XXXX to prove this car was sold. This account should not be a charge off. 
This account is now showing a XXXX balance but is showing still as a charge off. Showing 2 months as charge off. XXXX XXXX reversed a payment over $ XXXX then post account in negative, which is against the fair reporting act. 
Looking at your transaction history compared to my printout is not even the same. 

Item # 4 : I dispute XXXX XXXX XXXX. Account is more than 7 years old and should be deleted. 

Item # 5 : I dispute XXXX Acct : XXXX. Account is more than 7 years old and should be deleted. 

Item # 6 : I dispute XXXX Acct : XXXX. Account is more than 7 years old and should be deleted. 

Item # 7 : I dispute XXXX Acct : XXXX. Account is more than 7 years old and should be deleted. 


They have been calling and making threats about the account. They will not update the account on my credit report after they have charged off account. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 

Respectfully, XXXX 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