Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
XXXX AUTO LOAN DISPUTE ( FCRA 602A, 604, 607, 609, 611, 623 ; 15 U.S.C. 1681a1681x ; Regulation V, 12 CFR Part 1022 ) To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX Date : [ XXXX ] Subject : Formal Dispute XXXX Auto Loan ( {$8300.00} ) | Request for Validation and Deletion Dear TransUnion Dispute Department, I am disputing the accuracy and completeness of the XXXX auto-loan account listed on my TransUnion credit file ( reported XX/XX/XXXX ; balance {$8300.00} ; status Needs Attention ). This listing is inaccurate, incomplete, and unverifiable under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) and Regulation V ( 12 C.F.R. Part 1022 ).

Legal Basis FCRA 604 [ 15 U.S.C. 1681b ] Permissible purpose for reporting must exist.

FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] Requires reasonable procedures to assure maximum possible accuracy.

FCRA 609 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681g ( a ) ( 1 ) ] Gives me the right to request all sources and information used in reporting.

FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] Requires a reasonable reinvestigation of disputed items and deletion of unverifiable information within XXXX  days. 
FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ] Prohibits furnishers from reporting information they know is inaccurate.

Regulation V, 12 C.F.R. 1022.43 ( e ) Requires CRAs to include all relevant information supplied by the consumer in any reinvestigation.

Specific Demands for Verification Please provide within XXXX  days : XXXXA copy of the original signed loan agreement or instrument bearing my signature. 
XXXX.All payment records and itemized balance calculations for this account. 
XXXX.Proof of ownership and chain-of-title if the debt was sold or transferred. 
XXXX.The full name, address, and telephone number of the original creditor. 
XXXXThe method of verification used by TransUnion and the identity of the furnisher who responded.

Notice of Consumer Participation Requirement Under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 2 ) ( A ) ( 15 U.S.C. 1681i ) a consumer reporting agency must conduct a reasonable reinvestigation that includes all relevant information provided by the consumer. Any reinvestigation performed without first contacting me and reviewing the evidence I provide constitutes a false or incomplete investigation under the FCRA and Regulation V, 12 C.F.R. 1022.43 ( e ). I expect written confirmation that you will communicate with me before and after your reinvestigation. Failure to include my input renders any verification invalid and requires deletion under FCRA 611 ( a ) ( 5 ) ( A ). 

If the information can not be verified with the above documentation, you must delete this account and send me written confirmation within XXXX  days as required by law. 

Sincerely, XXXX 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