Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11069935
Complaint Overview
Complaint ID: 11069935
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Texas
ZIP Code: 75231
Date Received: 2024-12-07T12:00:00-05:00
Date Sent to Company: 2024-12-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to file a formal complaint against Experian for failing to remove a collection account from my credit report despite my repeated efforts to have it properly validated and the lack of proof from the debt collection agency that this debt is mine. The collection account in question is reported by XXXX XXXX XXXX and appears on my Experian credit report. I first disputed this entry with Experian on or around XXXX or XX/XX/year>, requesting validation of the debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I requested that the collection agency provide proof that the debt is mine, including documentation such as an original signed purchase agreement with the original party/lender. I requested such information from XXXX on XX/XX/year>. To date, the debt collection agency has failed to provide any valid documentation to substantiate their claim that the debt belongs to me. Despite this, Experian has not removed the entry from my credit report, which is not in compliance with the Fair Credit Reporting Act ( FCRA ). Under the FCRA, once a debt is disputed, the credit reporting agency must ensure that the information it reports is accurate and verifiable. Since the collection agency has not provided sufficient evidence of the debts validity, this entry should have been removed from my credit report. Furthermore, it is important to note that I was never informed by XXXX of this purported debt. It was added to my credit report without proper documentation or notification. The sole communication I have received from XXXX is an email dated XX/XX/year>, which informs me that I have failed to make arrangements for the alleged debt and it will soon be reported on my credit reports. I have made multiple attempts to resolve this matter with both the debt collection agency and Experian, but my dispute remains unresolved. As a result, I am requesting that the CFPB investigate this matter and take appropriate action to ensure that Experian removes this invalid collection entry from my credit report.
Frequently Asked Questions
What is Complaint #11069935 about?
Complaint #11069935 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2024-12-07T12:00:00-05:00.
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.