Debt collection -- Attempts to collect debt not owed -- Complaint #11063095
Complaint Overview
Complaint ID: 11063095
Company: Experian Information Solutions INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was already discharged in bankruptcy and is no longer owed
State: Virginia
ZIP Code: XXXXX
Date Received: 2024-12-06T12:00:00-05:00
Date Sent to Company: 2024-12-06T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXXXXXX XX/XX/XXXX Experian Dispute Department po XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Information Under the Fair Credit Reporting Act ( FCRA ) Dear Experian, I am writing to dispute inaccurate information appearing on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The disputed information is as follows : - Creditor Name : XXXX XXXX XXXX XXXX - Account NumberXXXX - Nature of Dispute : Inaccurate reporting of late payments and account status Under the FCRA, credit reporting agencies are required to ensure the maximum possible accuracy of the information reported ( 15 U.S.C. 1681e ( b ) ). However, my credit report contains the following inaccuracies : 1. The account reflects three late payments, but I believe these are erroneous as I made consistent payments, including on XX/XX/XXXX, as shown in the attached documentation. 2. The account is listed as closed as of XX/XX/XXXX, which contradicts payment activity after this date. These inaccuracies are damaging to my creditworthiness and are a direct violation of the accuracy and dispute resolution requirements of the FCRA ( 15 U.S.C. 1681i ). I am requesting that you : 1. Investigate this account thoroughly : as required under 15 U.S.C. 1681i. 2. Provide written confirmation : of the results of your investigation. 3. Remove or correct all inaccurate information within the legally mandated 30-day timeframe. If this information can not be verified, it must be promptly deleted from my credit report per 15 U.S.C. 1681i ( a ) ( 5 ). Failure to address this dispute adequately may result in further action to protect my rights under the FCRA, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies. Thank you for your prompt attention to this matter. I look forward to your written confirmation of receipt and a resolution of this dispute. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #11063095 about?
Complaint #11063095 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 2024-12-06T12:00:00-05:00.
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 (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.