Consumer complaint received 2025-05-11 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: CA

Complaint narrative:
[ Mega auto finance ] [ XXXX XXXX XXXX ] [ XXXX XXXX ca, XXXX ] I am writing to formally request the following documents and information related to the repossession of my vehicle with VIN [ Vehicle Identification Number or account number ]. Under state law, as well as the Uniform Commercial Code ( UCC ), Fair Debt Collection Practices Act ( FDCPA ), and the Fair Credit Reporting Act ( FCRA ), I am entitled to certain notices and disclosures in connection with the repossession process, and I request the following:1. 2. Pre-Repossession Notice ( UCC 9-611 ) : Please provide a copy of the pre-repossession notice that was sent to me. Under the Uniform Commercial Code ( UCC ) 9-611, I am entitled to receive written notice of the default and any actions I could take to prevent repossession, including the opportunity to cure the default. The notice should also provide information on how to remedy the situation prior to repossession, if applicable.Letter Regarding Retrieval of Personal Belongings ( UCC 9-613 ) : I request a copy of the letter or notice that informed me of my rights regarding the retrieval of personal belongings from the vehicle after it was repossessed. According to UCC 9-613, if personal property is taken in the course of repossession, I must be provided an opportunity to recover the items. Specifically, I would like details on : a. The amount owed at the time of repossession.b. The location where the vehicle was stored after repossession.c. The process for retrieving my belongings from the vehicle.d. The time frame in which I could retrieve my belongings, if applicable.3. 4. GAP Insurance ( FDCPA 1692f, FCRA 1681 ) : I am also requesting information regarding the application of GAP insurance to cover any deficiency balance resulting from the repossession. Under the Fair Debt Collection Practices Act ( FDCPA ) 1692f, debt collectors must refrain from using unfair practices, including failing to apply GAP insurance when it was clearly intended to cover such deficiency. If GAP insurance was not applied, I request a clear explanation of why it was not. I also request confirmation that GAP insurance was properly processed as per the terms of my agreement with the lender.Final Sale Notification ( UCC 9-613, FCRA 1681e ( b ) ) : Under the Uniform Commercial Code ( UCC ) 9-613, I am entitled to receive a final sale notice that includes : a. The date and location of the sale of the vehicle.b. The sale price of the vehicle.c. The remaining balance owed, if the sale price did not cover the full outstanding loan balance.d. If the sale was held at auction, I request documentation related to the auction and the highest bid received.I request that these documents and information be provided to me within 30 days of receipt of this letter, as required under FCRA 15 U.S.C. 1681i. If you fail to provide these documents, or if the repossession process was not conducted in compliance with applicable state and federal laws, I will take appropriate action, including disputing any negative information related to this repossession on my credit report and seeking legal recourse for non-compliance.Please be advised that failure to comply with these requests may result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and the Uniform Commercial Code ( UCC ) .Thank you for your immediate attention to this matter. I look forward to receiving the requested documents and information.Sincerely, 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