Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #10326184
Complaint Overview
Complaint ID: 10326184
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: 30012
Date Received: 2024-10-02T12:00:00-05:00
Date Sent to Company: 2024-10-02T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Greetings, on XX/XX/XXXX I sent a certified letter to XXXX requesting validation of the account listed below. The account does not belong to me and it is causing great strain on my credit report. I have attempted on several occasions to get this removed. Below is the latest certified letter I sent. Please assist me in getting this removed permanently. I do not want a " verification '', I need the account VALIDATED with the original contract sent to me. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Validation of Account XXXX XXXX XXXX, Account Number XXXX / XXXX Dear Sir/Madam, I am formally requesting validation and verification of the following account, as reported on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., I am disputing the accuracy and completeness of the information regarding this account : Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX ( XXXX ) Balance : {$21000.00} Credit Limit : {$20000.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX ( XXXX ) Legal Basis for Dispute : According to the FCRA : 15 U.S.C. 1681i : Credit reporting agencies must conduct a reasonable investigation to verify disputed information. If the information can not be verified, it must be removed from the report. 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information reported. Requested Information : 1. Complete validation of the debt, including the original creditor 's details and a breakdown of how the balance was calculated. 2. Copies of any documentation that supports the validity of this account. 3. The procedures used to verify the disputed account and determine its accuracy. If you are unable to validate the requested information, I respectfully request that this account be corrected or deleted from my credit report. As per the FCRA, you are required to complete this investigation within 30 days. Please confirm in writing the results of your investigation and any changes made to my credit file. Thank you for your prompt attention to this matter. I look forward to your response. Sincerely, XXXX XXXX XXXX XX/XX/XXXX
Frequently Asked Questions
What is Complaint #10326184 about?
Complaint #10326184 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 2024-10-02T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.