Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11163780
Complaint Overview
Complaint ID: 11163780
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: Texas
ZIP Code: 78542
Date Received: 2024-12-15T12:00:00-05:00
Date Sent to Company: 2024-12-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I AM THE VICTIM OF IDENTITY THEFT AND THE FOLLOWING DATA MUST BE BLOCKED WITHIN XXXX BUSINESS DAYS : This correspondence serves as a formal demand for the removal of inaccurate and unverifiable information from my credit reports, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. Please consider this letter as a notification of violations and a request for immediate action. XXXX. Disputed Accounts XXXX XXXX XXXX Account Number : XXXX XXXX XXXX The information associated with this account is inaccurate and unverifiable. I request that this account be removed from my credit report immediately. Collection Account Error Collection Account Number : XXXX XXXX Alleged Debt : {$550.00} The alleged debt does not list a valid creditor and is therefore unverifiable and fraudulent. This entry must be removed from my credit reportXXXX XXXX XXXX XXXX Account Number : XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Alleged Debt : {$130.00} Given the lack of proper debt validation, this account should be removed immediately. 2. Violations of Consumer Protection Laws The inclusion of the aforementioned accounts in my credit report constitutes a violation of : 15 U.S.C. 1681 ( FCRA ) which prohibits the inclusion of unverifiable or inaccurate information in consumer reports. 15 U.S.C. 1692k ( d ) ( FDCPA ) which mandates compliance with debt validation and verification requirements. Due to these violations, I am entitled to {$1000.00} in damages for each instance of willful non-compliance. Given the nature of these inaccuracies, I am seeking a total of {$3000.00} in damages. XXXX. Disputed Inquiries The following inquiries are also disputed for accuracy and must be removed in accordance with 15 U.S.C. 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Consequences and Remedies Please be advised that your failure to address these disputes within the statutory time frame will compel me to pursue legal action. This may include initiating a civil suit for damages and seeking enforcement through legal channels. Your prompt attention to correcting and removing the disputed information is required to avoid further legal proceedings. Please confirm receipt of this letter and provide written confirmation of the actions taken to address these disputes. I expect a response in compliance with the FCRA requirements. Thank you for your immediate attention to this matter.
Frequently Asked Questions
What is Complaint #11163780 about?
Complaint #11163780 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 2024-12-15T12:00:00-05:00.
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.