Debt collection -- Attempts to collect debt not owed -- Complaint #5084652
Complaint Overview
Complaint ID: 5084652
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: New Jersey
ZIP Code: 087XX
Date Received: 2022-01-07T12:00:00-05:00
Date Sent to Company: 2022-01-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This is my 10th complaint that I am filing against EXPERIAN. There were six [ 6 ] deleted inquiries from my EXPERIAN credit report after my disputes and now EXPERIAN is liable to compensate me with monetary remedy. By deleting the inquiries off my report, EXPERIAN is admitting that their practices are in fact abusive and deceptive. I used my power to speak up as a natural person for the abuse that was being done to me and in turn, EXPERIAN deleted the inquires after I disputed. Pursuant to 15 U.S. Code 1681a : -The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. -The term consumer means an individual. -The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Pursuant to 15 U.S. Code 1681o, EXPERIAN is liable to compensate me in the amount equal to the sum of damages done to me for the failure of compliance with the requirements under the Fair Credit Reporting Act. I have been going at this case for over 100 days now and I will not stop until I get compensated as EXPERIAN is liable by law to pay my invoice.
Frequently Asked Questions
What is Complaint #5084652 about?
Complaint #5084652 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 2022-01-07T12:00:00-05:00.
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.