Debt collection -- Attempts to collect debt not owed -- Complaint #11274555
Complaint Overview
Complaint ID: 11274555
Company: Experian Information Solutions INC.
Product: Debt collection
Sub-Product: Auto debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was already discharged in bankruptcy and is no longer owed
State: Florida
ZIP Code: 337XX
Date Received: 2024-12-24T12:00:00-05:00
Date Sent to Company: 2024-12-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Experian National Consumer Assistance Center XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report XXXX XXXX XXXX Dear Sir/Madam , I am writing to formally dispute inaccurate information on my credit report pertaining to XXXX XXXX XXXX XXXX Upon reviewing my report, I noticed that it reflects an outstanding balance that is incorrect. I have received a 1099-C Cancellation of Debt form from XXXX XXXX XXXX XXXX XXXXndicating that the debt has been canceled and the balance should be reported as XXXX. I have enclosed a copy of this document for your reference. The reporting of this account as having an outstanding balance is not only inaccurate but is also negatively impacting my creditworthiness. In accordance with the Fair Credit Reporting Act, I kindly request that you conduct a thorough investigation into this matter. Please update my credit report to reflect the accurate status of my account with XXXX XXXX XXXX, showing a balance of XXXX. Thank you for your prompt attention to this dispute. I look forward to your confirmation of the resolution and an updated copy of my credit report reflecting this correction. Sincerely, XXXX XXXX XXXX [ Enclosures : Copy of 1099-C
Frequently Asked Questions
What is Complaint #11274555 about?
Complaint #11274555 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 2024-12-24T12:00:00-05:00.
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.