Consumer complaint received 2024-11-22 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: PA

Complaint narrative:
Experian Dispute Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute FCRA & TILA Violation Reporting ( Account # XXXX ) To Whom It May Concern, I am writing to formally dispute the reporting of account # XXXX under the Fair Credit Reporting Act ( FCRA ). The information being reported by Experian as the creditor is inaccurate and unfair, and I request its immediate removal from my credit report. 

I strongly disagree with the results of your investigation and demand an explanation of how my dispute could be denied when I sent certified mail with substantial evidence to support my claims. Below is a summary of the critical issues : 1. Lemon Law Violation : The vehicle tied to this account was sold to me as a lemon. I provided proof of communication with the salesperson where I was assured the vehicles noise issue had been resolved by a mechanic. Shortly afterward, I contacted the salesperson to report multiple additional problems with the vehicle, including those consistent with a defective product. Despite my texts explaining these issues and expressing concerns that the vehicle was a lemon, I received no response.

2. Improper Repossession : The repossession of the vehicle was carried out unlawfully, disturbing the peace during nighttime hours. Additionally, personal belongings left inside the vehicle were stolen during the repossession.

3. Truth in Lending Act ( TILA ) Violation : The loan agreement for this account includes predatory terms that require me to pay additional interest even if the loan is paid off early. This violates TILA, which mandates clear and fair loan disclosures.

These points were clearly outlined in my dispute, along with supporting evidence. I find it unacceptable that Experian has denied my dispute despite being provided with the following documentation : Certified mail containing proof of Lemon Law violations ( inspection reports, texts with the salesperson ).

Records of my communications with the dealership about unresolved vehicle defects.

Copies of the loan agreement highlighting the excessive and unlawful interest terms. 

XXXX XXXX Compliance Request : I demand that Experian processes this dispute in strict adherence to the XXXX XXXX Format guidelines, ensuring a full and accurate verification of all fields associated with this account, including : Account status Payment history Loan terms and interest disclosures Narrative comments If the documentation from the creditor can not be verified or fails to meet legal standards, Experian must delete this account under FCRA 611.

Supporting Evidence : As previously submitted, I have attached the following documents to support my dispute : Proof of Lemon Law violations and unresolved defects ( texts and inspection reports ).

Documentation of the improper repossession, including theft of personal belongings. 
Loan agreement excerpts highlighting TILA violations. 

I demand a written response and confirmation of your findings within 30 days, as required by the FCRA. Failing to address this matter properly will leave me no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and pursue legal action to enforce my rights. 

Thank you for your prompt attention to this matter.

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