Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXXTHIS VALIDATED REGISTRATION CARD OR A FACSIMILE COPY IS TO BE KEPT WITH THE\nVEHICLE FOR WHICH IT IS ISSUED. THIS REQUIREMENT DOES NOT APPLY WHEN THE\nVEHICLE IS LEFT UNATTENDED. IT NEED NOT BE DISPLAYED. PRESENT IT TO ANY PEACE\nOFFICER UPON DEMAND. IF YOU DO NOT RECEIVE A RENEWAL NOTICE, USE THIS FORM\nTO PAY YOUR RENEWAL FEES OR NOTIFY THE DEPARTMENT OF MOTOR VEHICLES OF THE\nPLANNED NON-OPERATIONAL STATUS (PNO) OF A STORED VEHICLE. RENEWAL FEES MUST\nBE PAID ON OR BEFORE THE REGISTRATION EXPIRATION DATE OR PENALTIES WILL BE\nDUE PURSUANT TO CALIFORNIA VEHICLE CODE SECTIONS 9552 - 9554.\nEVIDENCE OF LIABILITY INSURANCE FROM YOUR INSURANCE COMPANY MUST BE PROVIDED\nTO THE DEPARTMENT WITH THE PAYMENT OF RENEWAL FEES. EVIDENCE OF LIABILITY\nINSURANCE IS NOT REQUIRED WITH REGISTRATION RENEWAL OF OFF-HIGHWAY VEHICLES,\nTRAILERS, VESSELS, OR IF YOU FILE A PNO ON THE VEHICLE.\nWHEN WRITING TO DMV, ALWAYS GIVE YOUR FULL NAME, PRESENT ADDRESS, AND TH\nVEHICLE MAKE, LICENSE, AND IDENTIFICATION NUMBERS.XXXX DO NOT DETACH - REGISTERED OWNER INFORMATION\nREGISTRATION CARD VALID FROM: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXNot a duplicate  please reopen/escalate. This filing supplements and escalates my prior complaint #XXXX and is not a duplicate. The companys verification still fails to establish that I ever agreed to be personally liable. XXXX XXXX XXXX XXXX XXXX continues furnishing a commercial/XXXX  obligation as a personal consumer tradeline, without producing a signed retail installment contract or personal guaranty from me.XXXXQuick verdict: This is not verification of personal liability.XXXX packet consists of: (a) a payment-delinquency table to me, (b) a California Cure Notice to me, (c) a Notice of Plan to Sell addressed to XXXX XXXX XXXX XXXX (listing me only as an interested party), and (d) an Auction Breakdown addressed to me. None of these documents includes a signed contract or personal guaranty bearing my signature that would authorize reporting this as my consumer debt. That fails the standard for verifying a tradeline that can lawfully appear on my personal credit file.XXXXWhy its legally insufficient (core points):XXXXNo signed contract/guaranty  unverifiable as my personal obligation. If the item cannot be verified, the CRAs must delete under FCRA 611(a)(5)(A); and after my dispute, the furnisher must conduct a reasonable investigation and correct/delete under FCRA 623(b) (15 U.S.C. 1681i, 1681s-2(b)).\n\nParty-of-record mismatch. XXXX  own sale notice is directed to XXXX XXXX XXXX XXXX (the business entity), not to me personally. Their deficiency accounting letter shows a claimed balance but still does not establish that I am personally liable. Furnishing this as my consumer debt is inaccurate.\n\nMetro 2 accuracy concerns. If the bureaus are showing Charge-Off and a Past-Due amount at the same time, that is typically inconsistent with Metro 2 post-charge-off reporting (post charge-off, Amount Past Due is generally $XXXX, while a charged-off balance may remain). I also request the DOFD (Date of First Delinquency) be confirmed and corrected, as it is required for the 7-year obsolescence period.\n\nWhat XXXX  actually sent as verification.\nOnly notices and an auction/deficiency breakdownno document with my signature agreeing to personal liability. This does not verify the tradeline as legally reportable to my consumer file.\n\nWhy this is not a duplicate complaint.\nMy prior complaint challenged XXXX XXXX accuracy and reinvestigation. This filing presents continued furnishing without producing a signed personal guaranty and specific Metro 2/FCRA defects that remain unresolved. It asks the Bureau to (1) require production of a signed contract/guaranty (if any) or (2) require XXXX  to cease furnishing and instruct the CRAs to delete as unverifiable under 611(a)(5)(A). These are new, unresolved issues, not previously addressed by XXXX  generic explanation.\n\nRequested CFPB action (escalation):\nPlease escalate and require XXXX XXXX to either:XXXXProduce the original signed retail installment contract and/or personal guaranty showing I agreed to be personally liable (not just XXXX  notices); and provide the repo/sale documentation establishing compliance; or\n\nCease furnishing this account to the CRAs as my personal consumer debt and send deletion updates to Experian, XXXX XXXX XXXX; provide written confirmation; and ensure the CRAs supply a 611(a)(7) Method of Verification if they intend to keep the tradeline.\n\nBecause the company has not produced the required verifying documents tying me personally to this debt, the item is unverifiable under the FCRA and must be deleted.\n\nStatutes invoked: FCRA 607(b) (accuracy), 609(a)(2) (sources of information), 611(a) and 611(a)(5) (reinvestigation & deletion if unverifiable), 611(a)(7) (method of verification), and 623(a)(1), 623(b) (furnisher duties).\n\n3) What would be a fair resolution? (paste this)\n\nRequire XXXX XXXX to produce the signed personal guaranty/contract that authorizes reporting to my consumer file; if they cannot, require immediate deletion of the tradeline as unverifiable under 611(a)(5)(A).\n\nRequire XXXX XXXX to cease furnishing this account as my personal consumer debt and send deletion confirmations to Experian, XXXX, and XXXXXXXXRequire the CRAs to provide the 611(a)(7) Method of Verification and to correct Metro 2 fields, including removing any Amount Past Due after charge-off and confirming the DOFD used for obsolescence.\n\nWritten confirmation to me of all corrections/deletions.\n\n4) Attachments (upload these)XXXX verification packet (file name: XXXX) showing only notices and auction breakdown, no signed guaranty/contract.\n\nCalifornia Cure Notice (from XXXX XXXX).\n\nNotice of Plan to Sell addressed to XXXX XXXX XXXX XXXXAuction Breakdown/deficiency letter to me.\n\nDMV registration showing the XXXXXXXXMost recent Experian/XXXX report pages showing how the tradeline is displayed (status, balance, Amount Past Due, DOFD).\n\nPrior CFPB complaint confirmation for #XXXX (for non-duplicate context).\n\nGovernment ID and proof of address.\n\n\nLIENHOLDER\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAttn: Credit Reporting/Consumer Relations\XXXX XXXX XXXX XXXX XXXXRE: FINAL DEMAND  ILLEGAL REPORTING OF COMMERCIAL DEBT AS PERSONAL\nOBLIGATION\nTo Whom It May Concern:\nThis letter serves as your FINAL DEMAND for immediate action regarding the continued and\nunlawful reporting of a commercial debt as my personal consumer obligation.\nThe account in question involves a XXXX XXXX XXXX XXXX financed under a Retail\nInstallment Contract dated XXXX XXXX XXXX. That contract was executed solely by XXXX XXXX XXXX, and I signed it exclusively as an Authorized Representative of the LLC. I have\nnever agreed to be personally liable, nor have you produced any legally valid documentation\nshowing otherwise.\nDespite multiple dispute letters, you have failed to provide proof of a personal guaranty,\ninstead submitting unrelated documents such as ledgers and repossession paperwork. You\nhave not met your burden under the Fair Credit Reporting Act (FCRA) to report only\naccurate information and to properly investigate consumer disputes.\nYour ongoing actions violate:\n- FCRA  1681s-2(a)(1)(A)  Prohibits reporting information known to be inaccurate.\n- FCRA  1681s-2(b)  Requires reasonable investigation and correction upon notice of\ndispute.\nYou are knowingly furnishing false information to Experian, XXXX XXXX XXXX by\nreporting this business obligation as my personal debt, without evidence of personal\nliability. This constitutes willful noncompliance, exposing you to liability for actual,\nstatutory, and punitive damages under 15 U.S.C.  1681n and  1681o.\nAccordingly, you are hereby directed to:\n1. Immediately cease all consumer reporting of this account under my personal credit file;\n2. Submit deletion requests to all CRAs (Experian, XXXX XXXX);\n3. Provide written confirmation that the tradeline has been deleted; and\n4. Cease all future reporting of this account as a personal debt.\nIf you fail to comply within 15 days of this notice, I will pursue all legal remedies available to\nme  including filing suit in federal court.\nYou are now on legal notice.\nSincerely,\XXXX XXXX XXXXAuthorized Representative, XXXX XXXX XXXX XXXX(No Personal Guaranty)\nEnclosures:\n- Retail Installment Contract (LLC obligor only)\n- Government-issued ID and proof of address\n- Prior dispute letters and communications'

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