Consumer complaint received 2025-05-09 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: TX

Complaint narrative:
I am formally disputing the following repossession account appearing on my XXXX  and Experian credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. This account contains inaccuracies and unverifiable information, making it subject to deletion from my credit file. 
The account in question is : Creditor : XXXX/XXXX  Account Number : XXXX. 
Recent Balance : {$17000.00} ( as of XX/XX/XXXX ) Date Opened : XX/XX/XXXX Status : Repossession {$17000.00} past due as of XX/XX/XXXX Creditor Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX Phone : XXXX Address Identification Number : XXXX Type : Auto Loan Terms : XXXX  XXXX  On Record Until : XX/XX/XXXX Original Amount : {$29000.00} Grounds for Dispute & Removal Request Unverified Repossession ( FCRA 1681i & 1681s-2 ( b ) ) I have never signed a contract or loan agreement with XXXX or XXXX. As such, this account was opened without my consent, and no valid contract exists linking me to this repossession. 
Under FCRA 1681i, I am requesting XXXX  and Experian to verify the validity of this loan by providing a copy of the signed contract that legally obligates me to this debt. 
If this verification can not be provided within XXXX  days, this account must be immediately deleted from my credit report as required by law. 
Inaccurate Past Due Balance ( FCRA 1681s-2 ( a ) ) The past due balance of {$17000.00} is incorrect and does not reflect an accurate debt obligation. 
Per FCRA 1681s-2 ( a ), XXXX/XXXX  is prohibited from reporting inaccurate or incomplete information. If this amount can not be verified, XXXX  must remove or correct this entry. 
Failure to Adhere to Repossession Laws ( UCC Article 9 & State Laws ) If a vehicle is repossessed, creditors must follow strict legal procedures, including proper notification of default and deficiency balance. 
I request proof that proper notice was sent before and after the repossession, as required by the Uniform Commercial Code ( UCC ) Article 9 and applicable state laws. 
If these legal steps were not followed, this repossession was unlawful, and the credit entry must be removed. 
Failure to Validate Debt Under the Fair Debt Collection Practices Act ( FDCPA 15 U.S.C. 1692g ) This debt was transferred or assigned to a third-party debt collector, I demanded full debt validation within XXXX  days as required under FDCPA 1692g. 
If this account can not be validated, it must be removed from my report immediately. 
Formal Demand for Deletion Given the lack of a signed contract, the inaccurate past due amount, and the failure to provide proper validation, I am formally requesting that XXXX  remove this repossession account immediately from my credit report. 
TransUnion and Experian failed to correct or remove this information, I escalated my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office for further investigation into this potentially fraudulent reporting.

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