Consumer complaint received 2025-03-19 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: GA

Complaint narrative:
Dear Experian Dispute Department, I am formally demanding that Experian immediately delete the fraudulent and unlawfully reported XXXX XXXX XXXX account from my credit report. 

Despite over three months of disputes and my submission of extensive documentationincluding an FTC Identity Theft Report, proof from XXXX and XXXX XXXX XXXX, my ID, and my Social Security NumberExperian continues to engage in sham investigations and refuses to provide a proper Method of Verification ( MOV ). 

1. Experians Contradictory and False Reporting Clear Evidence of Bad Faith My credit report still lists XXXX XXXX XXXX as a charged-off account. 
Experian simultaneously states that the account was " purchased by another lender '', yet refuses to provide any evidence of the alleged lender or verification from the furnisher. 
The balance is reported as {$0.00}, yet a " CO '' ( Charge-Off ) status remains, which is both inaccurate and misleading, negatively impacting my creditworthiness.

XXXX XXXX XXXX has confirmed in writing that they have terminated collection efforts and are NOT reporting this account to the credit bureaus ( CFPB XXXX XX/XX/year>XXXX  ). 
Since XXXX XXXX XXXX is NOT reporting, and XXXX no longer owns the account, Experian has no lawful basis for continuing to report it. 

2. Experians Ongoing Sham Investigations CFPB Lawsuit Confirms FCRA Violations The Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against Experian for sham investigations into consumer disputes. The CFPB lawsuit states that Experian : Fails to properly investigate consumer disputes and blindly accepts data from furnishers without independent verification. 
Ignores consumer-provided evidence and refuses to take meaningful corrective action. 
Reinserts or refuses to remove inaccurate tradelines, harming consumers ' financial standing. 
( CFPB Case : Consumer Financial Protection Bureau v. Experian Information Solutions , Inc., filed XX/XX/year> ). 

Experians handling of my dispute matches the exact misconduct outlined in this lawsuit, proving that your practices remain illegal, deceptive, and in direct violation of the Fair Credit Reporting Act ( FCRA ).

3. Experians Willful FCRA Violations Statutory Liability ( {$1000.00} Per Violation ) Under FCRA 15 U.S.C. 1681n, Experian is liable for willful violations, and I am demanding {$1000.00} per violation for : Failure to Conduct a Reasonable Investigation Experian ignored my submitted evidence and failed to obtain proper verification.

Failure to Provide a Method of Verification ( MOV ) I have requested MOV multiple times, and Experian has refused to provide it. 
Knowingly Reporting Inaccurate Information Experian continues to list a {$0.00} balance charge-off, which is misleading and unlawful.

Failure to Remove a Non-Existent Account XXXX XXXX XXXX confirmed in writing that they are NOT reporting this account. 
Unlawful Rejection of My Identity Theft Block Request Despite my FTC Identity Theft Report and supporting documentation, Experian refused to block the fraudulent information. 

1. Pre-Repossession Notice ( UCC 9-611 ) REQUIRED BEFORE REPOSSESSION Provide a copy of the pre-repossession notice that was sent to me, as required by UCC 9-611 .

This notice must detail my right to cure the default before repossession. 
If no such notice was sent, this constitutes an unlawful repossession, and I will demand full deletion of any negative credit reporting and financial compensation for damages. 
2. Personal Property Retrieval Notice ( UCC 9-613 ) I demand a copy of the notice regarding the retrieval of my personal belongings after repossession.

If my personal property was illegally disposed of, I will seek damages for unlawful conversion and file a formal complaint with the CFPB and FTC. 
3. GAP Insurance Application ( FDCPA 1692f, FCRA 1681e ( b ) ) If GAP insurance was included in my loan, provide : Proof that GAP insurance was applied to cover any deficiency balance.

If GAP insurance was not applied, provide a written explanation with supporting documentation.

Failure to properly apply GAP insurance constitutes unfair debt collection under FDCPA 1692f and may be pursued as fraud.

4. Post-Sale & Deficiency Balance Notice ( UCC 9-613, FCRA 1681i ) Under UCC 9-613 , I am entitled to detailed documentation of the sale of my vehicle, including : The date and location of the sale.

The final sale price and the name of the buyer. 
If sold at auction, proof of auction bidding records and highest bid received. 
If a deficiency balance remains, provide : A full breakdown of how this balance was calculated. 
Documentation showing whether the sale was commercially reasonable, as required by law. 
5. Proof of Compliance with State and Federal Repossession Laws I demand certified proof that all notices and disclosures required under state law, UCC, FDCPA, and FCRA were properly provided within the legally required time frame.

This must include proof of mailing or electronic delivery before repossession. 
Failure to provide proof constitutes unlawful repossession.

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