Consumer complaint received 2024-12-15 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: FL

Complaint narrative:
In reference to the response to COMPLAINT ID XXXX Which was originally SUBMITTED ON XX/XX/XXXX Experian responded on XX/XX/XXXX : I am requesting all information based on ; First, Based on 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description Second, Experian did not respond in the 30 days as expressed in FCRA. 
Experians data furnisher could not have verified the accuracy of this information because the data furnisher who is XXXX is in violation of the following ; The laws of the State of Florida and UCC 9.506 along with Florida Motor Vehicle Installment Sales Agreements and Retail Installment Sales Agreements clearly state that a deficiency balance can not be claimed if the required notices were not properly and timely given. The consumer must be permitted a certain time to cure and/or redeem which is not available if the proper notices are not submitted. 
Since XXXX, Ive requested copies of legal notices from XXXX that was allegedly sent to me along with proof of the resale of the vehicle was completed in a commercially reasonable manner as required by law. Along with the amount the alleged vehicle was sold for, who is was sold to, the date sold and bottom line balance that is reporting on my credit report. 
The laws stated if XXXX was not able to provide the required proof within 15 days of receipt of my certified letter then, the alleged claim of deficiency will be considered null and void. After the 15 days have passed, any collection activity including but not limited to credit reporting of this invalid claim will be considered an infraction of the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. 

Experian stated, per my request to conduct a reinvestigation, we contacted the data furnisher ( s ) /public record vendor for disputed items on your Experian credit report and asked them to verify the accuracy of the information with which you disagree. 
Experian stated they contacted the data furnisher ( s ) public record vendor for disputes items on my Experian credit report and asked them to verify the accuracy of the information with which I disagreed. *After the investigation Experian stated they responded and verified that that the remaining disputed information was accurate as reported. 
o My response : Based on 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ], I am requesting the following ; o The reporting agency has 15 days to provide to a me a notice as the consumer, I have a right to request the following : a description of the procedure used to determine the accuracy and completeness of the information which shall be provided to me, the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such verified information and the telephone number of each data furnisher and/or public record vendor in connection with the dispusted items. 

Experian also stated that other aspects of the disputed item ( s ) may have also been updated by the data furnisher ( s ) /public record vendor. 
o My response : Please advise what other aspects of the disputed item were updated by data furnisher ( s ) public record vendor. ( advise what was updated along with the name address and telephone number of the data furnisher ( s ) /public record vendor who made the update as stated above ) o Based on 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ], I am requesting the following ; o The reporting agency has 15 days to provide to a me a notice as the consumer, I have a right to request the following : a description of the procedure used to determine the accuracy and completeness of the information which shall be provided to me, the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such verified information and the telephone number of each data furnisher and/or public record vendor in connection with the dispusted items. 
Experian stated, the results summary was sent to you for review. 
My response : I have not received a summary of results from Experian. 

Regarding some of the items listed, according to our records, the disputed information has either been removed or did not appear on your current Experian credit report by the time we received your complaint. 
My response : Experian stated some of the items listed, according to their records, the disputed information has either been removed or did not appear on my current Experian credit report by the time they received my complaint. 
My response : Experian needs to specify based on my dispute which items did not appear on my current Experian credit report by the time they received my complaint. Please specify which item is not appearing on my credit report. 
Experian stated that I may refer to the credit report that you received for the name, phone number ( if available ) and address of the data furnisher or public records vendor name who verified that information. 
My response : I cant refer to the credit report because Experian did not provide me a my credit report. 
Experian has met its obligations under the FCRA ; therefore, at this time we must respectfully decline your request for compensation. 
My response : Experian has not met its obligations under the FCRA, but instead continues to violate FCRA My response : Experian declined my request for compensation. I did not make a request for compensation in the dispute however ; if the inaccurate information continues to report, I can prove with my Superior Court that the information reporting is ( misleading and I can show that the procedures used which resulted in the inaccuracy were unreasonable. ) When you dispute the accuracy or completeness of information on your personal credit report and tell us specifically why you believe the information is inaccurate or incomplete, we process your dispute as required by law. We contact the furnisher of the information or the vendorthat collected the information from a public record source such as a court or other government office. We ask the furnisher or the vendor to verify all of the information regarding the item you disputed, and report back within 30 days of the date that we received your request ( 21 days for Maine residents and 45 days for disputes of information on an annual free credit report ). We review and consider the response to determine whether to accept it, reject it, or follow up for additional information. If, after processing, we find that the disputed information is inaccurate, incomplete or can not be verified, we then delete that information, or modify that information, as appropriate, based upon your dispute and the results of our processing. 
My response : Experian did not respond in the 30 days as expressed in FCRA. 
Experians data furnisher could not have verified the accuracy of this information because the data furnisher who is XXXX is in violation of the following ; The laws of the State of Florida and UCC 9.506 along with Florida Motor Vehicle Installment Sales Agreements and Retail Installment Sales Agreements clearly state that a deficiency balance can not be claimed if the required notices were not properly and timely given. The consumer must be permitted a certain time to cure and/or redeem which is not available if the proper notices are not submitted. 
Since XXXX, Ive requested copies of legal notices from XXXX that was allegedly sent to me along with proof of the resale of the vehicle was completed in a commercially reasonable manner as required by law. Along with the amount the alleged vehicle was sold for, who is was sold to, the date sold and bottom line balance that is reporting on my credit report. 
The laws stated if XXXX was not able to provide the required proof within 15 days of receipt of my certified letter then, the alleged claim of deficiency will be considered null and void. 

PLEASE NOTE THIS TIME HAS PASSED SINCE XX/XX/XXXX THIS ALLEGED DEBT AND COLLECTION OF THIS DEBT HAS BEEN NULL AND VOID!! 
After the 15 days have passed, any collection activity including but not limited to credit reporting of this invalid claim will be considered an infraction of the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act.

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