Consumer complaint received 2025-07-05 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( last four ) : XXXX : XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Account # XXXX Formal Dispute, Cease & Desist, and Demand for Deletion Dear Chief Compliance Officer : I recently applied for an auto loan and was denied creditand have suffered severe emotional distresssolely because of the inaccurate, inconsistent, and misleading tradeline you continue to furnish to XXXX  and Experian. I hereby dispute, under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), and demand that you : Cease and desist all communications regarding this debt under the FDCPA ( 15 U.S.C. 1692c ( c ) ), Delete the tradeline in full from all consumer reporting agencies within 10 business days, or Provide a Metro 2compliant reinvestigation report that fully validates every data point.

Material Reporting Violations Field XXXX  Experian Violation ( FCRA ) Date of Last Activity XX/XX/XXXX XX/XX/XXXX Inconsistent dates ( 1681e ( b ) ) Date Reported XX/XX/XXXX XX/XX/XXXX Conflicting furnish dates ( 1681e ( b ) ) Closed Date XX/XX/XXXX XX/XX/XXXX XXXX  closure dates ( 1681e ( b ) ) Payment Status Charged off as bad debt Charge-off Misleading status descriptions ( 1681e ( b ) ) Creditor Remarks Account previously in dispute now resolved reported by subscriber Omitted vs. added remarks ( 1681e ( b ), 1681i ) Payment Amount {$0.00} Incomplete data ( 1681e ( b ) ) Credit Limit {$0.00} Missing credit-limit info ( 1681e ( b ) ) Payment History NONE REPORTED 24 consecutive CO months One-time event misrepresented ( 1681s-2 ( b ), 1681i ) Harms & Legal Basis Emotional & Physical Distress : My vehicle was repossessed from within my gated communitywithout proper noticecausing nightmares, repeated doctor visits, and missed work.

Denial of Credit : I remain unable to secure financing because lenders rely on your inaccurate data.

FCRA Violations : Your failure to report uniform, accurate, and complete information breaches 1681e ( b ), 1681i and 1681s-2 ( b ).

FDCPA Violation : Conducting a self-help repossession without notice violates 1692f ( 6 ), as you took my property without consent or court order.

Demand for Deletion Within 10 business days of receipt, you must : Delete Account # XXXX from my XXXX, Experian, and XXXX  files ; and Provide written confirmation of each deletion date.

If unable, furnish a Metro 2compliant reinvestigation report validating each disputed field, including documentation of any repossession and charge-off.

Consequences of Non-Compliance If you fail to comply : I will invoke binding arbitration under my finance agreement by filing a Demand with the XXXX ( XXXX ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX  ). 
I will file complaints with the CFPB, FTC, and Georgia Attorney General for ongoing FCRA/FDCPA violations.

I will seek statutory damages under FCRA 616617 ( up to {$1000.00} per violation ), punitive damages, and attorneys fees.

I expect your immediate written confirmation of deletion.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian Information Solutions , Inc . 
XXXX XXXX  Consumer Financial Protection Bureau Georgia Attorney Generals Office

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