Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #12185875
Complaint Overview
Complaint ID: 12185875
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Texas
ZIP Code: 751XX
Date Received: 2025-02-23T12:00:00-05:00
Date Sent to Company: 2025-02-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing a formal complaint against XXXX for inaccurately reporting account XXXX as a charged-off account when it was actually a repossessed vehicle. This misrepresentation of my account status is misleading and negatively impacts my credit profile. I demand an immediate removal of this inaccurate reporting. Additionally, I am filing a complaint against XXXX for multiple violations regarding the handling of my auto loan while I was on XXXX XXXX. XXXX repossessed my vehicle without obtaining a court order, which is a direct violation of 50 U.S. Code 3952 of the Servicemembers Civil Relief Act ( SCRA ). This law explicitly protects XXXX XXXX servicemembers from vehicle repossession without a courts approval. By failing to follow this legal requirement, XXXX unlawfully repossessed my vehicle. Furthermore, XXXX failed to comply with UCC Article 9, which requires creditors to provide proper notice of default and an opportunity to cure the default before repossession. There was also no attempt to conduct the vehicles sale in a commercially reasonable manner, further violating my rights and causing financial harm. Additionally, XXXX engaged in unfair debt collection practices by repossessing my vehicle without a present legal right to do so, in violation of 15 U.S. Code 1692f ( 6 ). Their actions constitute an illegal repossession and an unconscionable means of debt collection. The information being reported is misleading as it is not consistent between all 3 CRA 'S
Frequently Asked Questions
What is Complaint #12185875 about?
Complaint #12185875 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-02-23T12:00:00-05:00.
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.