Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The Company reported an Repossession back on XX/XX/2025 and the vehicle was repossession on XX/XX/2025 and redeemed on XX/XX/2025, company has not made any effort to correct the inaccurate information that has harmed my credit ability to established any other credit. 

Subject : Formal Dispute & Cease and Desist Notice under FCRA, UCC, and CFPB Regulations To Whom It May Concern, This letter serves as a formal dispute and cease and desist notice regarding the reporting of a repossession dated XX/XX/2025, as well as continuous negative reporting of late payments on my personal credit file. Your actions have caused substantial harm and damage to my creditworthiness and violate multiple provisions of federal law and consumer protection regulations. 
________________________________________ LEGAL BASIS FOR DISPUTE & CEASE AND DESIST 1. Fair Credit Reporting Act ( FCRA ) Violations 15 U.S. Code 1681s-2 ( a ) & ( b ) : You have failed to maintain accurate reporting and to conduct proper investigations of disputed information.

15 U.S. Code 1681e ( b ) : You did not follow reasonable procedures to ensure maximum possible accuracy.

15 U.S. Code 1681b : There appears to be no permissible purpose for the continued reporting or dissemination of this harmful information.

15 U.S. Code 1681u : If any consumer report information was shared with third parties without proper legal authorization, this is a serious violation.

15 U.S. Code 1681n & 1681o : Your willful or negligent noncompliance subjects you to statutory damages, actual damages, punitive damages, and attorneys fees.

15 U.S. Code 1681 ( 2 ) ( XI ) : You are reminded that negative and adverse reporting that is misleading or untimely can be seen as a violation of consumer rights under FCRA.

2. Uniform Commercial Code ( UCC ) UCC 9-609 & 9-610 : The repossession of property must comply with lawful repossession procedures, including notice, peaceful possession, and commercial reasonableness in the disposition of the collateral. If your repossession or reporting process lacked these elements, it constitutes unlawful conduct.

3. Consumer Financial Protection Bureau ( CFPB ) Regulations 12 CFR Part 1022 ( Regulation V ) : You must ensure proper and timely reporting obligations with respect to accuracy and reinvestigation.

12 CFR Part 1006 ( Regulation F ) : As a debt collector or servicer, your communications must not misrepresent or harass consumers or report data that is false, outdated, or otherwise inaccurate.

4. Truth in Lending Act ( TILA ) 15 U.S. Code 1666b & 12 CFR 1026.13 : If there are billing errors or improper charges that led to the negative status or delinquencies, they must be investigated and corrected in accordance with these statutes.

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