Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #8378949
Complaint Overview
Complaint ID: 8378949
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: Tennessee
ZIP Code: 37128
Date Received: 2024-02-19T12:00:00-05:00
Date Sent to Company: 2024-02-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX have asked for all the creditors that has falsely reported information on my credit file to validate alleged debts by providing proof of this alleged item, specifically the original application, contract, note, other instrument bearing my signature and payment history. Please provide this information within 15 days. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXX Late Payment {$920.00} XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXX Late Payment {$2300.00} XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXX Collection {$0.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Collection {$200.00} XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Collection {$200.00} XXXX XXXX XXXX XXXX Collection {$3700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Collection {$3700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Collection {$980.00} XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX XXXX XX/XX/XXXX XXXX Inquiry {$0.00} XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquiry {$0.00} XXXX XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX | XX/XX/XXXX XXXX my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. Debt buyers are not a creditor therefore on my report where it shows collection agency as creditor it's inaccurate reporting and violation under FDCPA definitions of creditor. These are inaccurate and needs to be deleted immediately as its a violation.XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXX Late Payment {$920.00} XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXX Late Payment {$2300.00} XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXX Collection {$0.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Collection {$200.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Collection {$200.00} XXXX XXXX XXXX XXXX Collection {$3700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Collection {$3700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Collection {$980.00} XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX | XX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquiry {$0.00} XXXX XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX | XX/XX/XXXX XXXX my report. Please view the below definitions, 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation G ) 1006.2 ( g ) Definitions. ( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another. These accounts are inaccurate under 15 U.S.C. 1692g validation of debt. In addition, while the collector attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. Below I have attached the definition of the law as this is my right. Please have this inaccurate account removed from my credit as it is damaging my personal life or pay the {$1000.00} fine for breaking this law. 15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs. It was communicated to me to reach out to creditor to expedite the removal. As of the date of previous complaints, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed.
Frequently Asked Questions
What is Complaint #8378949 about?
Complaint #8378949 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 2024-02-19T12:00:00-05:00.
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.