Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Date : XX/XX/XXXX Dear Credit Bureau Re : Dispute of Incorrect Repossession Entry Request for Immediate Removal To Whom It May Concern, I am writing to dispute the inaccurate and baseless repossession entry currently appearing on my credit report. This entry is false, and I demand its immediate removal from my file. I am formally invoking my rights under the Fair Credit Reporting Act ( FCRA ) to request that you thoroughly investigate this matter and remove this erroneous information from my report. 
The repossession entry in question is associated with the following account : Creditor Name : XXXX XXXX Account Status : Charge off 60-90 days late, profit loss write off Date of Repossession : XX/XX/XXXX First, let me make it abundantly clear that I have never defaulted on this loan, nor have I ever received notice of a repossession or any other adverse action regarding this account. The repossession reported on my credit file is incorrect and baseless. As outlined in Section 607 of the FCRA ( 15 U.S.C. 1681e ), I am entitled to a credit report that is accurate, complete, and up-to-date, and any errors must be corrected promptly.

Furthermore, according to Section 611 of the FCRA ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate or incomplete information on my credit report. You are required to investigate and resolve any disputes within 30 days of receiving this request. I demand that you immediately initiate a full investigation into this matter and remove the erroneous repossession entry from my credit report.

Under Section 609 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681g ), I also have the right to receive a full disclosure of the information in my credit file, including the documents or data the credit bureau used to verify the alleged repossession entry. I have reviewed my credit file and the creditors records, and there is no substantiation to support the reported repossession. 
In addition, I am citing Section 615 ( a ) of the FCRA ( 15 U.S.C. 1681m ), which mandates that any negative information be reported accurately and only after a creditor has properly notified the consumer of the negative action ( i.e., repossession ). I have never received any such notification. 
Accounts : Creditor Name : XX/XX/XXXX XXXX Account Status : Charge off, sold Creditor Name : XXXX XXXXXX/XX/XXXXXXXX XXXX Account Status : Paid, closed, 60 days past due Creditor Name : XXXX XXXX XXXX Account Status : Charge off, sold, paid in full Creditor Name : XX/XX/XXXX# XXXX Account Status : Charged off, paid off monthly Creditor Name : XX/XX/XXXXXX/XX/XXXX Account Status : Paid, Closed, 30 days late If you fail to correct this issue within the 30-day time frame, I will not hesitate to take further action, including filing a complaint with the Consumer Financial Protection Bureau XXXX CFPB XXXX and the Federal Trade Commission ( FTC ), as well as pursuing legal action to protect my rights under the FCRA and receive reimbursement. Section 616 ( 15 U.S.C. 1681n ) : Grants consumers the right to sue for damages, including actual, statutory, and punitive damages, for violations of the FCRA.

Please confirm in writing that this erroneous repossession entry has been removed from my credit report within the legally required 30 days. 
Sincerely, XXXX XXXX FCRA References : Section 607 ( 15 U.S.C. 1681e ) : Requires that credit reporting agencies maintain accurate, complete, and up-to-date information.

Section 611 ( 15 U.S.C. 1681i ) : Ensures that credit bureaus must investigate disputes within 30 days and correct inaccuracies.

Section 609 ( 15 U.S.C. 1681g ) : Grants consumers the right to obtain a copy of their credit report and related information.

Section 615 ( a ) ( 15 U.S.C. 1681m ) : Requires creditors to notify consumers before reporting negative information like repossession.

Section 616 ( 15 U.S.C. 1681n ) : Grants consumers the right to sue for damages, including actual, statutory, and punitive damages, for violations of the FCRA.

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