Consumer complaint received 2025-01-20 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: CA

Complaint narrative:
Subject : Follow-Up on Unresolved Dispute Case Number XXXX Dear CFPB, I am writing to follow up on my dispute filed on XX/XX/year>, regarding inaccuracies on my credit report under CFPB Case Number XXXX. Despite my initial complaint, the following accounts remain unresolved and contain inaccurate or unverifiable information. I respectfully request that the CFPB take further action to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

Accounts in XXXX XXXX XXXX ( Account Number XXXX ) I am not liable for the reported debt of {$55.00} to XXXX XXXX XXXX This account has been erroneously listed on my credit report. The company has failed to provide the original contract bearing my wet signature and valid identification. Without such documentation, this debt is unverifiable and unenforceable. 

XXXX XXXX XXXX  ( Account Numbers XXXX and XXXX ) This account is listed twice on my credit report under two different account numbers.

The duplication is misleading and inaccurate, suggesting negligent reporting.

Additionally, the company has failed to provide any original contract or supporting documentation to substantiate these entries. 

XXXX & XXXX XXXX  ( Account Number XXXX ) The reporting and handling of this debt involve multiple violations : Failure to Notify of Sale : XXXX & XXXX XXXX  did not notify me of the sale of the repossessed vehicle, including when and where the sale would take place, as required by the Uniform Commercial Code ( UCC ). This failure renders the deficiency balance unverifiable and unenforceable. Lack of Accurate Accounting : The company has not provided an accurate accounting of the sale proceeds and any claimed deficiency balance. Under the Truth in Lending Act ( TILA ), such disclosures are mandatory, and their absence invalidates the debt. Unverifiable Information : Under 15 U.S.C. 1681s-2, all information reported to credit bureaus must meet standards of accuracy and verifiability. This entry does not comply with these requirements. Noncompliance with UCC Requirements : The repossession process failed to adhere to the UCC, invalidating the purported deficiency balance.

Violations of the FCRA and Other Laws The continued reporting of these accounts violates the following statutes : 1681o Negligent Non-Compliance : Negligence in ensuring compliance with FCRA standards has caused significant harm to my financial standing.

1681e ( b ) Accuracy of Information : The agencies involved have failed to ensure the maximum possible accuracy of the reported information.

1681i Reinvestigation of Disputed Information : My initial dispute has not been adequately reinvestigated, and I have not received satisfactory documentation or resolution.

1681m Notice of Adverse Action : The inaccurate reporting has resulted in adverse actions without proper notification.

1681c Reporting Period of Adverse Information : Certain negative items may exceed permissible reporting periods, violating this section.

Requested Resolution I request the following actions : Immediate removal of the disputed accounts from my credit report.

A comprehensive re-investigation of the disputed items, including the provision of all supporting documentation.

Written confirmation of the resolution and compliance with federal and state laws. 
Supporting Documentation Enclosed, please find : A copy of my original complaint filed on XX/XX/year>. 
A copy of my credit report highlighting the disputed accounts. 
This ongoing issue continues to cause financial and emotional harm. Please address this matter promptly and ensure compliance with federal regulations. If no action is taken, I will consider pursuing further legal remedies to protect my rights. 

Thank you for your attention to this matter. Should you require further information, I can be reached at phone number : XXXX or Email : XXXX. 

Sincerely, 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