Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Formal Dispute & Request for Deletion XXXX XXXX  ( Acct. # XXXX ) Dear Experian Dispute Department, I am writing to formally dispute the reporting of the XXXX XXXX  account appearing on my Experian credit report. This tradeline is not only inaccurate and misleading, but it is also being re-reported after prior deletion in direct violation of the FCRA ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ).

Violations include but are not limited to : FCRA 1681s-2 : Furnishing materially inaccurate, misleading, and incomplete data to the credit bureaus. The account reflects both Repossession and Charge-Off without explanation or lawful justification.

Truth in Lending Act ( TILA ) Violations : I was not properly informed that insurance products were bundled into my loan contract. I did not knowingly or voluntarily consent to these charges, and this constitutes material misrepresentation and a failure to clearly disclose the total finance charges, as required by 15 U.S.C. 1601 et seq.

UCC 9-610 & 9-611 : No proper notice of default, no resale notification, and no post-sale accounting statement was ever sent. You can not claim a {$21000.00} deficiency without proving the sale of collateral and applying its proceeds. 

XXXX XXXX Format Compliance Failures : Reporting without an original creditor, no DOFD, no comments regarding repossession or deficiency sale, and missing payment data. 

Furthermore, if this account has been charged off, it may no longer be legally collectible. I am also investigating whether this debt has been sold or securitized, in which case I demand disclosure of the new creditor/owner.

Inconsistent status codes : The account is reported as both Repossession ( R ) and Charge-Off ( CO ), which is materially misleading.

Deficiency balance of {$21000.00} is reported with no evidence of collateral resale, auction records, or consumer notification, violating both XXXX XXXX formatting standards and UCC 9-610 & 9-611.

No original creditor is listed, and key account information is missing or inaccurate, including : No monthly payment, No clear DOFD ( Date of First Delinquency ), Missing or fabricated months in the payment history.

This account was previously deleted or suppressed during an earlier dispute and is now being reinserted without proper notice, violating FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ).

This false and damaging tradeline has harmed my ability to secure funding for my small business, impacted my housing stability, and caused undue stress to my family.

Additionally, I have submitted two formal dispute letters regarding the XXXX XXXX tradeline within the last 60 to 90 days, both sent via Certified Mail with return receipt. Although your office received and signed for these lettersas confirmed by XXXX trackingno formal dispute was opened for this account, even though disputes were initiated for other tradelines I challenged in the same envelope. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates that credit reporting agencies must " conduct a reasonable reinvestigation '' upon receiving a consumer dispute. Furthermore, failure to provide acknowledgment of the dispute or its resolution violates 1681i ( a ) ( 6 ) and demonstrates willful negligence or noncompliance under 1681n and 1681o, for which I reserve the right to seek statutory, actual, and punitive damages. You have also failed to meet your obligations under FTC guidance on dispute handling and general principles of consumer protection under 42 U.S.C. 1983, as your failure has caused material harm to my business and personal finances.

I reserve the right to pursue claims for statutory, actual, and punitive damages for negligent or willful noncompliance with the FCRA, XXXX XXXX standards, and re-reporting violations. 

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