Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12384154
Complaint Overview
Complaint ID: 12384154
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: New Jersey
ZIP Code: 080XX
Date Received: 2025-03-08T12:00:00-05:00
Date Sent to Company: 2025-03-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX *I DISPUTE OWING ANY and ALL DEBT TO YOUR COMPANY, IF YOU THINK I OWE ANY DEBT TO YOUR COMPANY SEND PROOF IN WRITING ONLY VIA MAIL. I REVOKE ALL RIGTHS WITH YOU COMMUNICATING WITH ME THROUGH CALLS/TEXTS/EMAILS. * To Whom It May Concern, I am writing to dispute the validity of the above-referenced account, as it has been reported on my credit report without my knowledge or proper validation. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I demand validation and other clarifications about this debt. Request for Debt Validation Please provide concrete proof that establishes my liability for this debt. This should include but is not limited to the original contract, detailed breakdown of the amount claimed, the original creditor, and the original date of default. Licensing and Bonding Show documented proof that Collection Agency Name is licensed and bonded to collect debts in my jurisdiction. Ownership and Debt Buying Process Explain your process for buying debts and show me concrete proof, in writing, that you legally own this debt. Provide me with forward flow agreement with you and original creditor. Violations Communication in Connection with Debt Collection : I have not received any communication regarding this debt. Provide evidence that supports your claim that my address was undeliverable. Harassment and Abuse : Reporting an account on my credit report without my knowledge or proof of validation falls under harassment and abuse. False and Misleading Representations : You claim to be collecting this debt on behalf of another company. This is both false and misleading as the information is inaccurate. 15 U.S.C. 1692k Civil Liability I hereby remind you that non-compliance with the FDCPA may result in civil liability under 15 U.S.C. 1692k, including damages. Account Deletion and Notification to Credit Reporting Agencies If you fail to comply with my requests, I demand immediate deletion of this account from my credit report. Furthermore, I insist that you notify all credit reporting agencies that this account is in dispute and the report is inaccurate. You have 30 days to comply with this request. Failing to provide the information within this timeframe will result in legal action. For the record, I am keeping meticulous notes of all interactions regarding this matter, including copies of all correspondence and details of all telephone communications. I expect prompt attention to this serious matter. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #12384154 about?
Complaint #12384154 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 2025-03-08T12:00:00-05:00.
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.