Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12492917
Complaint Overview
Complaint ID: 12492917
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 is missing that should be on the report
State: Maryland
ZIP Code: 21222
Date Received: 2025-03-14T12:00:00-05:00
Date Sent to Company: 2025-03-14T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This letter is a formal dispute of the alleged debt referenced in your communication dated [ Date of Collection Letter ]. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I demand that you immediately cease all collection activities and provide me with complete debt validation. Under federal law, you are required to provide verifiable proof that : You have legal authority to collect this debt. The alleged debt is valid and the correct amount is being claimed. You have a chain of custody showing ownership of the debt. The original creditors information is provided, including all contracts and agreements bearing my signature. You are not violating any state or federal laws, including the FDCPA, the Fair Credit Reporting Act ( FCRA ), and any applicable state consumer protection laws. Until you provide this complete validation, you must immediately cease and desist any and all collection efforts, including but not limited to : phone calls, letters, credit reporting, or legal action. If you fail to comply with this request within the 30-day validation period, I will have no choice but to : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Pursue legal action against your agency for violations of the FDCPA, FCRA, and any applicable state laws. Seek statutory damages of up to {$1000.00} per FDCPA violation, plus attorney fees, court costs, and punitive damages. Let me be clear : failure to comply with federal and state laws will result in swift legal action against your agency. This letter serves as legal notice that I am fully prepared to exercise my rights under the law. You are hereby prohibited from contacting me regarding this alleged debt, except for the sole purpose of providing the legally required validation. Any further attempts to collect without validation will be considered harassment and an intentional violation of federal law. GOVERN YOURSELVES ACCORDINGLY. XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #12492917 about?
Complaint #12492917 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 2025-03-14T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.