Debt collection -- Attempts to collect debt not owed -- Complaint #10879302
Complaint Overview
Complaint ID: 10879302
Company: Experian Information Solutions INC.
Product: Debt collection
Sub-Product: Auto debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: Virginia
ZIP Code: 24112
Date Received: 2024-11-19T12:00:00-05:00
Date Sent to Company: 2024-11-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Affidavit of XXXX XXXX XXXX State of Virginia I, XXXX XXXX XXXX, residing at XXXX XXXX XXXX, XXXX, VA XXXX, being of sound mind and legal capacity, hereby declare the following : 1. I am a consumer protected under the Fair Credit Reporting Act ( FCRA ) and am exercising my rights under Section 609 to request verification of the account listed below. 2. I have been XXXX in the XXXX XXXX XXXX XXXX since XX/XX/XXXX and am not scheduled for release until XX/XX/XXXX. As such, I have not and could not have purchased or financed an automobile during this time. Disputed Account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Issue : This account, showing a charged-off status with a balance of {$37000.00}, is inaccurate and unverifiable. Given my XXXX, it is impossible for me to have entered into any agreement, obtained credit, or purchased an automobile during this period. Unfair Reporting Practices 1. Despite submitting proof of my XXXX and disputing this account multiple times, Experian has failed to fulfill its legal obligation under FCRA 611 to remove this account or provide proper validation. 2. Both XXXX and XXXX, after reviewing the same evidence, have removed and blocked this account from my credit file, as they recognize its inaccuracy. 3. Experians refusal to remove this account despite compelling evidence demonstrates negligence and a violation of FCRA 607 ( b ), which mandates maximum possible accuracy in credit reporting. Sworn Declaration : I declare under penalty of perjury that the information provided in this affidavit is true and accurate to the best of my knowledge. XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #10879302 about?
Complaint #10879302 was filed against Experian Information Solutions INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2024-11-19T12:00:00-05:00.
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 (Debt collection) 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.