Debt collection -- Attempts to collect debt not owed -- Complaint #12010521
Complaint Overview
Complaint ID: 12010521
Company: Experian Information Solutions INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: New York
ZIP Code: 10573
Date Received: 2025-02-09T12:00:00-05:00
Date Sent to Company: 2025-02-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to dispute and request complete verification of a XXXX XXXX XXXX collection account appearing on my credit report. I received a collection notice without any supporting documentation, which I am attaching to this dispute. This unverified collection is currently preventing me from securing housing for my family. Critical Information : Property was sold on XX/XX/year> Account shows charges after the sale date Received collection letter without any debt validation No proof of debt ownership was provided No original contract or payment history included I formally request the following documentation : A. Original Creditor Documentation : Complete copy of original bearing contract with signatures Original account opening date Original account number Proof of coverage dates and termination Verification that charges are only for the period I owned the property B. Payment Verification : First payment date and amount Last payment date and amount Complete payment history Current balance calculation C. Transfer Documentation : Chain of ownership of debt Verification of collection authority Dates of account transfer Under the Fair Credit Reporting Act ( FCRA ), you are required to : Conduct a reasonable investigation Verify the accuracy of the information Provide all relevant documentation Remove any information that can not be fully verified This matter requires urgent attention as it is directly affecting my family 's housing situation. I request that this item be investigated and resolved within 30 days as required by the FCRA. If complete verification can not be provided, this item must be removed from my credit report.
Frequently Asked Questions
What is Complaint #12010521 about?
Complaint #12010521 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 2025-02-09T12:00:00-05:00.
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.