Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #11063570
Complaint Overview
Complaint ID: 11063570
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: Georgia
ZIP Code: 31015
Date Received: 2024-12-06T12:00:00-05:00
Date Sent to Company: 2024-12-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX To : Experian Information Solutions , Inc . XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Formal Demand for Immediate Removal of Unauthorized and Extortionate Collection Account To Whom It May Concern, I am writing to demand the immediate removal of the XXXX XXXX XXXX account reported for XXXX XXXX XXXX ( Account Number : XXXX XXXX ) from my credit report. This collection account is unauthorized, as I have never given permission for XXXX XXXX to report any information about me. Additionally, the reporting of this account constitutes extortionate collection practices in violation of 18 U.S.C. 894, which prohibits the use of extortionate means to collect debts. As detailed in the FTC Identity Theft Report I submitted, this account and the associated practices represent a fraudulent attempt to mislead and harm my creditworthiness. Experian and XXXX XXXX are both responsible under 15 U.S.C. 1681c-2 ( FCRA Section 605B ) to block any unauthorized or disputed accounts within four ( 4 ) business days of receiving a valid FTC report XXXX Despite my compliance with federal law, Experian and XXXX XXXX have failed to act in accordance with their obligations. The failure to block or remove the fraudulent account further perpetuates financial harm, defamation, and emotional distress. I demand the immediate removal of this collection account from my credit report, as it is unauthorized, fraudulent, and extortionate. This account misrepresents my creditworthiness and violates my consumer privacy rights under both federal law and constitutional protections. If this matter is not resolved within seven ( 7 ) business days, I will escalate this issue by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing all available legal actions, including seeking damages for FCRA violations, unfair practices under the FTC Act, and extortion under 18 U.S.C. 894. I expect written confirmation of the removal of this account and assurance that no further unauthorized or fraudulent information will be reported. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Frequently Asked Questions
What is Complaint #11063570 about?
Complaint #11063570 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 2024-12-06T12:00:00-05:00.
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.