Debt collection -- Attempts to collect debt not owed -- Complaint #14912172
Complaint Overview
Complaint ID: 14912172
Company: Experian Information Solutions INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: Maryland
ZIP Code: 20601
Date Received: 2025-07-27T12:00:00-05:00
Date Sent to Company: 2025-07-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This letter serves as a formal dispute of the debt you allege is owed and a notification of multiple violations of federal consumer protection statutes associated with your collection practices. I do not acknowledge any indebtedness to the following collection agencies : 1. XXXX - XXXX Pursuant to 12 CFR 1006.34 ( b ) ( 5 ), I demand full validation of the alleged debt, including but not limited to the name of the original creditor, the corresponding account number, a comprehensive breakdown of the amount claimed, and a copy of the purchase agreement transferring the debt to your agency. I have simultaneously submitted a complaint to the Consumer Financial Protection Bureau. Effective immediately, I revoke any and all consent to contact me by phone, text, or email. All communication must be conducted exclusively in writing. Your failure to comply with the dispute provisions under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), as well as your deceptive practices and failure to provide legally mandated disclosures, constitutes a violation of my rights. Moreover, the furnishing of data to credit reporting agencies by XXXX XXXX without proper disclosures is unlawful per 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).
Frequently Asked Questions
What is Complaint #14912172 about?
Complaint #14912172 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 2025-07-27T12:00:00-05:00.
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.