Debt collection -- Attempts to collect debt not owed -- Complaint #13455718
Complaint Overview
Complaint ID: 13455718
Company: Experian Information Solutions INC.
Product: Debt collection
Sub-Product: Auto debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: Georgia
ZIP Code: 312XX
Date Received: 2025-05-11T12:00:00-05:00
Date Sent to Company: 2025-05-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Credit Information Request for Deletion Dear Experian Dispute Department, I am writing to formally dispute inaccurate information that appears on my Experian credit report. The account in question is listed under XXXX XXXX XXXX, account number XXXXXXXX XXXX XXXX This account is reporting a status of Late 180 Days with a balance of {$15000.00}, and it also reflects Past Due : {$15000.00}. However, this information is factually inaccurate and misleading for the following reasons : 1. The account has not been active since XX/XX/XXXX, and no payments have been made since XX/XX/XXXX. Yet, it is being reported as Open and was recently updated as of XX/XX/XXXX, which misrepresents its current status and falsely extends the derogatory reporting period. 2. The account has reached the end of its 48-month term, as stated, and should no longer be updated monthly if no activity or payments have occurred since early XXXX. 3. Continued reporting of this account in its current form may violate the Fair Credit Reporting Act ( FCRA ), particularly 602 ( A ) regarding fair and equitable treatment and 607 ( b ) concerning maximum accuracy in reporting.
Frequently Asked Questions
What is Complaint #13455718 about?
Complaint #13455718 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 2025-05-11T12:00:00-05:00.
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.