Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #10494172
Complaint Overview
Complaint ID: 10494172
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: Information belongs to someone else
State: Nevada
ZIP Code: 89011
Date Received: 2024-10-17T12:00:00-05:00
Date Sent to Company: 2024-10-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Dispute of Account Removal - XXXX XXXX Accounts Dear To Whom It May Concern I am writing to formally dispute the removal of my XXXX XXXX Accounts, specifically the account in the amount of {$1800.00} and the account in the amount of {$2900.00}. I believe that the removal of these accounts is in violation of the Uniform Commercial Code ( UCC ) and the Fair Debt Collection Practices Act as outlined in 15 USC 1692. Under the UCC, parties involved in a commercial transaction are required to adhere to principles of good faith and fair dealing. The removal of my accounts without proper notification or justification appears to violate these principles. I have not received any communication that would warrant the removal of these accounts, and I believe that this action is unjustified. Furthermore, 15 USC 1692 prohibits debt collectors from engaging in deceptive or misleading practices in the collection of debts. The removal of my accounts without clear communication or an opportunity for me to address the matter constitutes a violation of my rights under this statute. I request that you provide me with the following information : 1. A detailed explanation for the removal of my XXXX XXXX Accounts. 2. Copies of any documentation that supports this action. 3. Confirmation of my rights under the UCC and 15 USC 1692 regarding this matter. Please consider this letter as a formal dispute of the removal of my accounts. I expect a prompt response to this matter, as I am eager to resolve it amicably and in accordance with the law. If I do not receive a satisfactory response within 30 days, I will be compelled to take further action to protect my rights. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #10494172 about?
Complaint #10494172 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 2024-10-17T12:00:00-05:00.
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.