Debt collection -- False statements or representation -- Complaint #14231966
Complaint Overview
Complaint ID: 14231966
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: California
ZIP Code: 93536
Date Received: 2025-06-21T12:00:00-05:00
Date Sent to Company: 2025-06-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX To : Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate/Negative Credit Information Dear [ XXXX ] , I am writing to formally dispute inaccurate and/or negative information listed on my credit report. I obtained a copy of my credit report and noticed the following account ( s ) contain incorrect information : Creditor Name : XXXX XXXX Account Number : XXXX Issue : This account is not mine, or This account is inaccurately reported as late. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate, incomplete, or can not be verified. I am requesting that this item be investigated and removed or corrected on my credit report. I am requesting the following information : 1. The name and address of the original creditor. 2. The full amount of the alleged debt, including a breakdown of interest, fees, and other charges. 3. A copy of the original contract or agreement bearing my signature. 4. Proof that your agency is legally authorized to collect this debt in my state. 5. Verification that you are licensed to collect debt in [ Your State ], including your license number and registered agency name. Please cease all collection efforts, including reporting to the credit bureaus, until you provide the requested validation. Be advised that failure to provide this information within 30 days of receiving this letter will be considered a violation of the FDCPA. This letter is not a refusal to pay, but a request for clarification and proof regarding the debt in question. Please conduct an investigation and remove or correct this information if it can not be verified. I request that you provide written confirmation of the results of your investigation within 30 days, as required by the FCRA. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #14231966 about?
Complaint #14231966 was filed against Experian Information Solutions INC. regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-06-21T12:00:00-05:00.
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.