Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14223248
Complaint Overview
Complaint ID: 14223248
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: Account information incorrect
State: Illinois
ZIP Code: 60623
Date Received: 2025-06-22T12:00:00-05:00
Date Sent to Company: 2025-06-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This serves as a formal dispute and legal demand under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ), and the XXXX XXXX ( XXXX, 15 U.S.C. 6801 et seq. ). I am disputing the reporting and/or collection activity associated with the above-referenced account. As a consumer, I am entitled by law to full validation and verification of any alleged debt. This includes the following XXXX ( XXXX ) items, which I am formally demanding : XXXX. A copy of the original signed contract between myself and the original creditor that bears my wet-ink signature, showing that I agreed to the terms of the alleged debt. XXXX. A valid and complete letter of assignment or purchase agreement showing that your company has been legally assigned the rights to collect on this alleged debt, per the requirements of FDCPA 809 and applicable contract law. XXXX. Proof of my written consent that I gave to the original creditor authorizing them to share my personal and financial information with your agency, and proof that I granted your agency permission to further share my personal information with any third parties, as required by the XXXX XXXX. If you are unable to provide all three documents within XXXX calendar days from the date this letter is received, you must immediately : Cease all collection activity, Delete all references to this account from my credit report with all consumer reporting agencies ( Experian, XX/XX/XXXX), and Cease sharing or selling my personal data in accordance with federal privacy laws. Continuing to report unverifiable, incomplete, or inaccurate data constitutes a violation of : FCRA 1681s-2 ( b ) your duty to investigate and correct inaccurate information, FDCPA 807 prohibiting false or misleading representations, and XXXX XXXX unauthorized sharing of consumer data. Failure to comply will result in : A formal complaint with the Consumer Financial Protection Bureau ( CFPB ), A complaint with the Federal Trade Commission ( FTC ) and the IRS, if applicable, and Legal action for damages under federal law. This is a final notice to correct the record. I expect your compliance under federal law. A copy of this letter is being notarized and retained for legal and evidentiary purposes. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #14223248 about?
Complaint #14223248 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 2025-06-22T12:00:00-05:00.
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.