Debt collection -- Took or threatened to take negative or legal action -- Complaint #14561457
Complaint Overview
Complaint ID: 14561457
Company: Experian Information Solutions INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened or suggested your credit would be damaged
State: Georgia
ZIP Code: 30314
Date Received: 2025-07-09T12:00:00-05:00
Date Sent to Company: 2025-07-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Legal Demand for Immediate Removal of Unauthorized Negative Entries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : This is a formal dispute and legal demand for the immediate deletion of all unauthorized negative entries, including collections and late payments, from my credit report. It is unlawful under federal law for you to report or maintain any derogatory item on my credit report without my prior written consent. I never authorized, in writing or otherwise, any third-party agency to collect on or report debts allegedly tied to my name or social security number. According to 15 U.S. Code 1681b, no entityespecially a third-party debt buyermay access or furnish data to consumer reporting agencies without a permissible purpose and proper authorization. These debt collectors are not original creditors and have no valid, legal relationship with me. I did not create any agreement with these entities, nor did I authorize any debt to be bought, sold, or assigned in my name. Furthermore, under 15 U.S. Code 1692e ( FDCPA ), it is illegal for debt collectors to use any false, deceptive, or misleading representation in connection with the collection of any debt. This includes falsely implying that they have the legal right to collect, report, or sue without valid documentation. 15 U.S. Code 1692g also requires proper validation of debt. Unless you have signed contracts or written proof of agreement from me, you are in violation of federal law by continuing to report these items. This situation has caused me significant pain, wasted time, and deep disappointment. The negligent and unlawful reporting has interfered with my financial stability and emotional well-being. According to 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy. Under 15 U.S. Code 1681i, you have 30 days to investigate and correct or remove any item that can not be verified with proper documentation. I am demanding that all third-party collection accounts and late payments that lack my written consent and verification be removed immediately. If this is not resolved within the legally mandated timeframe, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal action. You are now formally and legally on notice.
Frequently Asked Questions
What is Complaint #14561457 about?
Complaint #14561457 was filed against Experian Information Solutions INC. regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2025-07-09T12:00:00-05:00.
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.