Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11250389
Complaint Overview
Complaint ID: 11250389
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Georgia
ZIP Code: 30096
Date Received: 2024-12-22T12:00:00-05:00
Date Sent to Company: 2024-12-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Dispute of Inaccurate Reporting XXXX ( Report Number : XXXX ) Dear Consumer Financial Protection Bureau XXXX I am writing to formally dispute inaccurate and misleading information being reported by XXXX on my credit report. The details of the account are as follows : Details of the Disputed Account : Account Name : XXXX Account Number : XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX Status : Repossession ( {$8100.00} past due as of XX/XX/XXXX ) Original Balance : {$18000.00} This account contains several inaccuracies and reporting issues that violate federal credit reporting standards. Grounds for Dispute : 1. Repossession Reporting : The account status indicates a repossession dating back to XX/XX/XXXX, yet the payment history lists ongoing repossession statuses through XX/XX/XXXX. This creates a misleading representation of the account. Under 15 U.S.C. 1681s-2, creditors are required to furnish accurate and consistent data. 2. Inconsistent Payment History : The payment history redundantly lists repossession for multiple months ( e.g., XX/XX/XXXX, XX/XX/XXXX, and prior months ), creating confusion and potential over-reporting of derogatory marks. This redundant reporting must be corrected. XXXX. Validation of Debt and Balance : The current balance of {$8100.00} is inconsistent with prior communications regarding the debt. XXXX has not provided adequate documentation to validate the amount owed, as required by 15 U.S.C. 1681i. 4. Failure to Correct Prior Dispute : This account was previously disputed, as noted in the reinvestigation details dated XX/XX/XXXX. However, XXXX failed to fully address or correct the inaccuracies identified in the dispute, violating the Fair Credit Reporting Act ( FCRA ). Requested Resolution : 1. Remove Duplicate Repossession Entries : Correct the payment history to eliminate redundant repossession statuses for months following the initial repossession in XX/XX/XXXX. 2. Validate the Debt and Balance : Provide a detailed validation of the {$8100.00} balance, including a breakdown of charges, payments, and fees. If the debt can not be validated, delete the account entirely from my credit report. 3. Ensure Compliance with FCRA : Verify that all reporting related to this account complies with federal regulations, including the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 15 U.S.C. 1681s-2 ). 4. Amend Credit Reporting : Update the accounts reporting to accurately reflect its status and remove any redundant or misleading information. I am requesting the CFPBs assistance in investigating this matter and ensuring that DriveTime/Bridgecrest complies with its legal obligations. Please confirm receipt of this dispute and provide updates regarding your investigation. Thank you for your assistance. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #11250389 about?
Complaint #11250389 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-12-22T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.