Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute the accuracy of the information being reported by XXXX XXXX XXXX regarding the above-referenced account. I am demanding that this trade line be IMMEDIATELY DELETED from my credit reports with XXXX Experian , and XXXXXXXX  due to multiple inaccuracies, internal inconsistencies, violations of California XXXX, and failure to properly account for payments made. 

Summary of Inaccuracies and Violations : Contradictory Credit Reporting : No Late Payments vs. Repossession : My credit report shows NO LATE PAYMENTS EVER on this account. However, it also shows a repossession. This is legally contradictory and inherently misleading. A repossession can not occur without a prior default ( missed payments ). The fact that my payment history shows XXXX delinquencies proves that either : The repossession was wrongful/illegal, OR The credit reporting is completely inaccurate. 
Under the Fair Credit Reporting Act ( FCRA ), reporting contradictory information is a violation and requires immediate deletion. 

{$9700.00} Payment Made After Repossession Not Properly Accounted For : My vehicle was repossessed on XX/XX/XXXX. 

Despite the repossession, I made a payment of {$9700.00} on XX/XX/XXXX. 

Your own records show this payment was received. 

However, my credit report still shows a balance of {$15000.00} and a past due amount of {$1300.00}. 

There is no evidence that this {$9700.00} payment was ever applied to my loan balance. This alone renders your credit reporting completely inaccurate. 

Internal Inconsistencies in Your Own Records : Your own system shows XXXX different balances for the same account : Current Balance : {$14000.00} Payoff Amount : {$15000.00} Total Balance : {$14000.00} These inconsistencies prove that your records are unreliable and can not be trusted for credit reporting purposes. 

Failure to Provide Deficiency Accounting After Repossession : Following the repossession on XX/XX/XXXX, XXXX XXXX XXXX has failed to provide me with any accounting of the repossession sale, including : The date and method of sale. 

The sale price of the vehicle. 

An itemized list of all repossession, storage, and sale fees. 

Proof that I was properly notified of the sale as required under California XXXX XXXX XXXX. 

How my {$9700.00} payment was applied. 

Defective Origination ( XXXX XXXX ) : At the inception of this contract, the lender/dealer failed to properly verify insurance or ensure the insurance policy was made part of the executed agreement. 

Legal Basis for Deletion : Under the Fair Credit Reporting Act ( FCRA ), you are required to report accurate and complete information. The current reporting is : Inaccurate ( incorrect balance, incorrect past due amount, {$9700.00} payment not applied ). 

Misleading and Contradictory ( " No late payments '' alongside " XXXX '' is impossible and confuses potential creditors ). 

Incomplete ( no accounting of repossession sale proceeds or application of my {$9700.00} payment ). 

Because your reporting is fundamentally contradictory and can not be true as presented, this account must be DELETED entirely from my credit profile.

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