Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #4550258
Complaint Overview
Complaint ID: 4550258
Company: Experian Information Solutions INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Florida
ZIP Code: 32301
Date Received: 2021-07-16T12:00:00-05:00
Date Sent to Company: 2021-07-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am gravely concerned about the validity of the information that is being provided to me by XXXX XXXX, XXXX because they have been sued numerous times for unfair/illegal FCRA practices. Please see link : https : XXXX XXXX As such, I have contacted them along with XXXX XXXX and Experian several times to request verification of the alleged debt that has now been listed on my credit report as a " charge-off account ''. However, after speaking with XXXX at extension XXXX, her supervisor XXXX XXXX and another supervisor named XXXX, I have been unsuccessful in my efforts to obtain any documentation ; they only demand payment on the account based on allege " time-sensitive '' offers that are available to settle the account. Their practices have been questioned in the court of law and therefore, I am concerned about their tactics to collect payment on an account they are unwilling to verify or provide any documentation on. If they are unable to verify and validate this debt, I demand for the account to be immediately deleted from credit report Furthermore, The XXXXXXXX XXXX account is fraudulent. The account has been disputed numerous time & I have requested the verification method that was provided to Experian by the data furnisher to validate the account. Each time the accounts comes back as allegedly " verified '' yet I never received the proof as requested. Please delete per FCRA consumer rights as this is a direct violation of the law. The credit bureaus MUST provide the consumer with the verification method use to validate the account and failure to do so results in the account being deleted from the consumer files. Experian is in direct violation of consumer credit reporting practices and I will take the necessary legal action if necessary.
Frequently Asked Questions
What is Complaint #4550258 about?
Complaint #4550258 was filed against Experian Information Solutions INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2021-07-16T12:00:00-05:00.
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, credit repair services, 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.