Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX DOB : XX/XX/XXXX SSN XXXX XXXX XXXX XXXX  * Phone : XXXX Email : XXXX Date : XXXX XXXX, XXXX To : Experian Information Services LLC XXXX XXXX XXXX  XXXX Subject : FORMAL DISPUTE UNDER FCRA 1681i Inaccurate Repossession and XX/XX/XXXX Late Payment Dear Experian Compliance Department , This letter constitutes a formal dispute pursuant to 15 U.S.C. 1681i, 1681e ( b ), and 1681g ( a ) regarding inaccurate, contradictory, and unverifiable information appearing in my Experian consumer file.

You are required to conduct a reasonable reinvestigation, suppress disputed information during reinvestigation, and forward this dispute verbatim to the furnisher. Any automated or e-OSCAR-only response is expressly rejected. 

-- - IDENTIFICATION OF DISPUTED ACCOUNT Furnisher : XXXX XXXX XXXX Account Type : Auto Loan Partial Account No. : XXXX Date Opened : XX/XX/XXXX Balance Reported : {$16000.00} DOFD Reported : As reported/ disputed -- - DISPUTE REASONS ( NUMBERED REQUIRED ) 1. Experian is reporting Redeemed Repossession while simultaneously reporting the account as Current / Terms Met. These statuses can not legally or logically coexist, rendering the tradeline inaccurate and internally inconsistent.

2. Experian reports a 30-day late payment for XX/XX/XXXX, despite evidence that the account was cured XXXX and payments were accepted before and after the alleged delinquency. 
3. Repossession fees were assessed on XX/XX/XXXX, before the account could have reached even 30 days past due, making the repossession legally impossible to verify. 
4. Experian reflects no 60-day or 90-day delinquency, yet the account is coded as a serious delinquency / derogatory indicator, which is factually false. 
5. A {$780.00} payment was accepted on XX/XX/XXXX, after the repossession activity, negating any claim of default. 
6. The reported Date of First Delinquency is inaccurate and unsupported by lawful default.

7. Reporting a repossession without a lawful default violates maximum possible accuracy requirements.

8. Continued publication of contradictory status codes violates XXXX XXXX reporting integrity standards. 
9. The XX/XX/XXXX late payment is derivative of the unlawful repossession timeline and is therefore separately inaccurate. 
10. Any verification relying solely on furnisher assertion fails FCRA reinvestigation standards.

-- - STATUTORY DEMANDS Pursuant to federal law, I demand that Experian : 1. Delete the repossession notation in its entirety 2. Delete the XX/XX/XXXX 30-day late payment 3. Remove all contradictory and inaccurate status codes 4. Correct the tradeline to reflect no repossession and no delinquency 5. Provide Method of Verification under 1681i ( c ) 6. Provide full file disclosure under 1681g ( a ) 7. Identify all third parties furnished this data under 1681i ( a ) ( 5 ) ( A ) If this information can not be fully verified through competent evidence, it must be deleted. 

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