Debt collection -- Attempts to collect debt not owed -- Complaint #5876725
Complaint Overview
Complaint ID: 5876725
Company: Experian Information Solutions INC.
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Minnesota
ZIP Code: 55124
Date Received: 2022-08-14T12:00:00-05:00
Date Sent to Company: 2022-08-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This is written to dispute the decisions by both Rent Bureau and XXXX XXXX XXXX ( XXXX ) to continue reporting inaccurate information about me after both companies have been supplied with valid proof that the debt reported by XXXX XXXX XXXX XXXX Rent Bureau is debt in another persons name that never existed in my name. I do not now, nor have I ever owed the debt in question. An email to me from XXXX XXXX XXXX dated XX/XX/XXXX states, Your dispute has been investigated ; however we have yet to find sufficient evidence to validate your claim ( s ). It is very important that you provide our company with all relevant documentation and information supporting your position. Documents provided to me by XXXX to support its claim regarding the debt are not only insufficient to support XXXX claim, they actually serve to refute it, and prove that the debt in question was never even in my name. The first document, a lease from XXXX, shows nothing other than at one time I was an occupant at the apartment. I moved from that location in XXXX, months before the debt in question was accumulated. When the apartment commenced action to recover the debt, I successfully petitioned the Court to remove me from the action and obtained an order from the Court to expunge the action from my record ( court documents were provided to Rent Bureau and XXXX ). The other document was a final account statement from the apartment prepared on XX/XX/XXXX. The statement includes both my name and the name of another person who lived at the apartment in the address section, however the statement itself clearly names the debtor as the other person and her alone as shown by the system notation at the bottom of the page of the document : Final Account Statement : ( name of other person ) ( statement was provided to Rent Bureau and XXXX ). The Apartment statement proves the debt in question was not listed in my name by the original creditor. Also, at the time the statement was generated in XXXX, XXXX, not only did I not live at the Apartments, but the date listed is long after the XXXX removed me from their actions to recover the debt ( proof of address provided ). The information I have provided is irrefutable proof that XXXX and Rent Bureau are reporting a debt that is not now, nor was it ever in my name, but both Rent Bureau and XXXX have refused to correct my report by deleting the derogatory remarks concerning this debt from all Rent Bureau and XXXX reporting. Both Rent Bureau and XXXX have made numerous deceitful statements, such as XXXX can not act on its own to remove the false information, that only XXXX can remove it. They have undeniable proof in court documents, screening reports, and even the original creditors statements that I am not the person who owes the debt, but they both say it isnt enough to remove the remark. XXXX illegally parked the debt in the wrong name, and when asked to remove it, the representative, XXXX XXXX, said he didnt have to prove anything, that XXXX and Rent Bureau have nothing to do with credit, they operate outside of the credit system and dont have to follow any of the laws, that they could even report and collect on debt discharged in Bankruptcy Court XXXX XXXX XXXX threatened me saying if I didnt pay what he said I owe that I would never be able to rent an apartment again. This company should be shut down.
Frequently Asked Questions
What is Complaint #5876725 about?
Complaint #5876725 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 2022-08-14T12:00:00-05:00.
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.