Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #10083208
Complaint Overview
Complaint ID: 10083208
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: Maryland
ZIP Code: 20784
Date Received: 2024-09-10T12:00:00-05:00
Date Sent to Company: 2024-09-10T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX [ XX/XX/XXXX ] **Experian Consumer Services** XXXX XXXX XXXX XXXXXXXX, TX XXXX **Re : Dispute of Account with XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX **Original Creditor : XXXX XXXX XXXX XXXX **Credit Report Dispute : Inaccurate and Deceptive Reporting** **To Whom It May Concern : ** I am writing to formally dispute the accuracy of the account listed under XXXX XXXX XXXX XXXX ( Account # XXXX ) on my credit report. This account is being reported in a manner that is not only inaccurate but also deceitful. Despite my multiple requests for validation of this debt, XXXX XXXX XXXXXXXX XXXX XXXX has failed to provide the necessary documentation, as required under the **Fair Debt Collection Practices Act ( FDCPA ) **, and continues to report incorrect information to the credit bureaus. Additionally, XXXX XXXX XXXX XXXX XXXX is known for engaging in deceptive practices, as reported on the XXXX XXXX XXXX XXXX XXXX XXXX **, where multiple complaints highlight similar patterns of unethical behavior and inaccurate reporting. Their tactics undermine the integrity of the information being reported on my credit file. **Here are the key points regarding my dispute : ** 1. **Failure to Provide Legally Required Documentation** : I have repeatedly requested proper documentation to verify the validity of this debt, including : - A signed agreement or contract establishing my liability for the debt. - A complete transactional history that clearly shows how the amount claimed was calculated. - Proof of ownership of the debt from the original creditor, XXXX XXXX XXXX XXXX, showing that XXXX XXXX XXXX XXXX XXXX is legally entitled to collect. Despite these requests, XXXX XXXX XXXX XXXX XXXX has failed to provide any of the requested documents in a proper, accessible format. The documents they provided were in an inaccessible **zip file**, which I was unable to open, making their supposed validation meaningless. 2. **Deceptive Practices** : XXXX XXXX XXXX XXXX XXXX is engaging in deceptive collection practices by claiming to have validated the debt without providing the legally required documentation. This is a violation of **15 U.S. Code 1692e**, which prohibits false, deceptive, or misleading representations by debt collectors. As such, I am requesting that **Experian** conduct a thorough investigation into this matter. I ask that the account in question be removed from my credit report, as it is being inaccurately reported, and the collector has failed to provide sufficient validation under federal law. I trust that Experian will handle this matter with the seriousness it deserves, and I expect that the inaccurate and unverified information will be deleted from my credit report in accordance with the **Fair Credit Reporting Act ( FCRA ) **, which requires accurate and complete reporting of information. Please provide written confirmation of the results of your investigation and any actions taken to correct my credit report. I appreciate your prompt attention to this matter. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #10083208 about?
Complaint #10083208 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 2024-09-10T12:00:00-05:00.
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.