Debt collection -- False statements or representation -- Complaint #13707154
Complaint Overview
Complaint ID: 13707154
Company: Experian Information Solutions INC.
Product: Debt collection
Sub-Product: I do not know
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Illinois
ZIP Code: 60621
Date Received: 2025-05-25T12:00:00-05:00
Date Sent to Company: 2025-05-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Filing a complaint against XXXX XXXX account on my credit reports with XXXX, Experian, and XXXX. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request a reinvestigation of this information. Additionally, as per 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. Furthermore, I believe these inaccuracies may also constitute violations of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e and 1692f ) and Regulation F ( 12 CFR Part 1006 ), which prohibit false, deceptive, or unfair debt collection practices. I request that XXXX XXXX and the credit reporting agencies remove this inaccurate information promptly. XXXX is in error for reporting this to my credit reports. XXXX has been sued the company was accused of reporting a customers account information to credit bureaus, leading to a significant drop in the customers credit score. The lawsuit highlights issues such as reporting a delinquency date before the account was even opened and failing to correct inaccuracies after disputes were filed. This case underscores potential violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Key Legal Provisions to Reference : 1. Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate. 15 U.S.C. 1681s-2 ( b ) : Requires furnishers to investigate disputes forwarded by credit reporting agencies and correct any inaccuracies. 15 U.S.C. 1681i : Mandates that credit reporting agencies must conduct a reasonable reinvestigation upon receiving a dispute from a consumer. 2. Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692e : Prohibits debt collectors from using false, deceptive, or misleading representations, including misrepresenting the character, amount, or legal status of any debt. 15 U.S.C. 1692f : Forbids debt collectors from using unfair or unconscionable means to collect or attempt to collect any debt. 3. Regulation F ( 12 CFR Part 1006 ) : Implements the FDCPA and provides guidelines on debt collection practices, including communication standards and record retention requirements.
Frequently Asked Questions
What is Complaint #13707154 about?
Complaint #13707154 was filed against Experian Information Solutions INC. regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-05-25T12:00:00-05:00.
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.