Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #15022404
Complaint Overview
Complaint ID: 15022404
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Louisiana
ZIP Code: 70454
Date Received: 2025-08-03T12:00:00-05:00
Date Sent to Company: 2025-08-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I dispute this debt in its entirety and formally request that you provide full validation of the alleged obligation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Furthermore, please be advised that this alleged debt was included in my XXXX XXXX XXXX. As such, any attempt to collect on this debt is a direct violation of the bankruptcy discharge injunction under 11 U.S.C. 524 ( a ). Additionally, if the alleged debt is of medical origin, I remind you that your agency has no legal access to my private health information without my express written authorization under HIPAA ( Health Insurance Portability and Accountability Act of 1996 ). Therefore, unless you possess legal documentation that proves this debt is valid, belongs to me, and is not subject to bankruptcy discharge, you must cease all collection activities immediately. Specifically, I request the following : 1. The name and address of the original creditor ; 2. A copy of the original billing agreement or signed contract proving I owe the debt ; 3. A full breakdown of the alleged amount, including fees and interest ; 4. Evidence that you are legally authorized to collect on behalf of the original creditor ; 5. Proof this debt is not subject to my bankruptcy discharge. Until such documentation is provided, you must cease all collection efforts and remove any reporting from my credit file in compliance with the Fair Credit Reporting Act ( FCRA ). Failure to do so may result in legal action and complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the U.S. Bankruptcy Court. I also demand that you cease all calls to me regarding this matter. All communication must be in writing only.
Frequently Asked Questions
What is Complaint #15022404 about?
Complaint #15022404 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-08-03T12:00:00-05:00.
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.