Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX XXXX XXXX RE : Formal Credit Dispute - Violation of Federal Consumer Rights by XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute and request the removal or correction of any and all entries reported by XXXX XXXX XXXX in connection with a disputed auto loan account. 

On XX/XX/year>, I submitted a Notice of Rescission of Consumer Credit Transaction to XXXX XXXX XXXX, exercising my rights under the Truth in Lending Act ( TILA ), 15 U.S.C.1635 ( a ), to rescind the auto loan due to incomplete, inaccurate, and misleading disclosures at the time of the transaction.

At the time of signing this contract, I was unaware of my full rights under federal consumer protection laws. However, I have since become informed and aware of the legal protections afforded to me under the Truth in Lending Act ( TILA ) and the Fair Credit Reporting Act ( FCRA ). Upon learning of these rights, I immediately took lawful action to exercise them.Despite my lawful rescission, XXXX XXXX XXXX has continued to maintain or report this account as valid and active, which constitutes the following violations : XXXX Violation of the Truth in Lending Act ( TILA ) - 15 U.S.C. 1635 & 1662 XXXX XXXX XXXX failed to provide accurate, complete, and transparent disclosures of credit terms at the time of financing. Under 1635, when such disclosures are defective, the consumer 's right to rescind remains open until accurate disclosures are provided. XXXX 's subsequent refusal to acknowledge rescission and their continued enforcement of the contract violates these provisions. 

2 Violation of the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681s-2 ( a ) XXXX XXXX XXXX has reported or continues to report inaccurate and adverse information about this rescinded account, despite being notified in writing that the contract was lawfully disputed and rescinded. Under 1681s-2 ( a ), a furnisher of information ( such as XXXX ) is prohibited from reporting data they know- or reasonably should know is inaccurate or incomplete. 

3 Violation of the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681i ( a ) Once a consumer disputes the accuracy of an account, the credit reporting agency is required to conduct a reasonable reinvestigation within 30 days and delete or correct the information if it can not be verified as accurate. 
Dispute Summary : - The auto loan contract in question is invalid and unenforceable due to violations of TILA.

- I was not fully informed of my rights at the time of the transaction, but now that I am aware, I have acted to protect my consumer rights in good faith. 
XXXX XXXX has continued to report derogatory information on this rescinded transaction. 
- These actions have caused inaccurate credit reporting and potential damage to my consumer credit profile. 

Requested Action : 1. Investigate this account in accordance with FCRA 1681i ( a ).

2. Request verification from XXXX XXXX XXXX. 

XXXX. Delete or correct any inaccurate, misleading, or unverifiable information related to this rescinded account from my credit file. 

XXXX. Provide me with written confirmation of your findings and the actions taken. 
This dispute is made under my rights as a consumer protected by federal law. Please process this request promptly, as required by the Fair Credit Reporting Act.c Thank you for your immediate attention to this matter. 

Sincerely, 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