Debt collection -- Attempts to collect debt not owed -- Complaint #6662961
Complaint Overview
Complaint ID: 6662961
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: Texas
ZIP Code: 77407
Date Received: 2023-03-07T12:00:00-05:00
Date Sent to Company: 2023-03-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In reviewed my credit profile I noticed several inaccurate, incomplete information and accounts that are Un-Verified. According to the Fair Credit Reporting Act, section 611 ( 5 ) ( a ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or that can not be verified. The FOLLOWING derogatory accounts listed below are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete I demand that the accounts listed above be VERIFIED for accuracy, and if UN-VERIFIABLE ; be immediately REMOVED/DELETED from my credit file. Furthermore ; to ensure that a trusted process was used to VALIDATE this allegation, I demand that you provide me with the complete comprehensive copy of the ORIGINAL CONTRACT with my WET SIGNATURE and any other document obtained from the consumers/creditors/vendors listed above showing and/or confirming that these accounts are mine. INQUIRIES MADE DUE TO IDENTITY THEFT and/or THE INFRACTIONS MENTIONED ABOVE are as follows- TO BE REMOVED/DELETED IMMEDIATELY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my consumer credit report. I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail.
Frequently Asked Questions
What is Complaint #6662961 about?
Complaint #6662961 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 2023-03-07T12:00:00-05:00.
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.