Debt collection -- Attempts to collect debt not owed -- Complaint #13956260
Complaint Overview
Complaint ID: 13956260
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: Georgia
ZIP Code: 30281
Date Received: 2025-06-07T12:00:00-05:00
Date Sent to Company: 2025-06-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing regarding unresolved inaccuracies on my credit report and your failure to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). This letter serves as my formal Round XXXX dispute regarding the following accounts : [ Account Name : XXXX XXXX XXXX ] Account shows COLLECTION, and PAST DUE [ " This account is reporting inaccurate late payments despite no supporting documentation. '' ] 1. [ This account is not mine and remains unverifiable. '' ] Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian for engaging in sham investigations of consumer disputes. The CFPB 's complaint highlights that Experian improperly marked disputes as frivolous or conducted superficial investigations that failed to verify the accuracy of reported information. This practice violates the rights of consumers under the FCRA. As per the FCRA 611 ( 15 U.S.C. 1681i ), Experian is required to : 1. Conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. 2. Notify the furnisher of the disputed information. 3. Delete or correct information that can not be verified within the required timeframe. Given the CFPB 's findings and your previous handling of my dispute, I am concerned that you have not fulfilled your statutory obligations. Let this letter serve as formal notice that l expect the following actions to be taken immediately : 1. Conduct a thorough and reasonable investigation into the disputed accounts listed above. 2. Delete or correct any unverifiable, inaccurate, or incomplete information. Provide me with a detailed explanation of the investigation process and furnish supporting evidence to verify the information in question. 4. Send me an updated copy of my credit report reflecting any changes. I have included copies of relevant supporting documents and identification to aid in your investigation. Under FCRA 611 ( a ) ( 5 ) ( A ), if the disputed items can not be verified, you are legally obligated to remove them from my credit file. Failure to comply with the FCRA will leave me with no choice but to escalate this matter further by filing a complaint with the CFPB, the Federal Trade Commission ( FTC ), and my state 's Attorney General 's office. I trust that you will take immediate corrective action and provide a response within the 30 days required by law.
Frequently Asked Questions
What is Complaint #13956260 about?
Complaint #13956260 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 2025-06-07T12:00:00-05:00.
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.