Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #8418741
Complaint Overview
Complaint ID: 8418741
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: New York
ZIP Code: 11433
Date Received: 2024-02-25T12:00:00-05:00
Date Sent to Company: 2024-02-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Notice to Agent is Notice to Principal Subject : Formal Dispute of Inaccurate Credit Report Information & Request for Debt Validation Account Numbers for Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I, XXXX XXXX , hereby initiate a formal dispute regarding inaccurate and unverified information appearing on my credit report, specifically related to the above-mentioned accounts. Despite previous communications, these discrepancies remain unresolved, directly infringing upon my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Please be advised, the continued reporting of these accounts without proper verification and validation constitutes a direct violation of 15 U.S.C. 1692g ( b ) ( FDCPA ) and 15 U.S.C. 1681c-2 ( FCRA ). As no concrete evidence of my obligation to the aforementioned accounts has been furnished upon request, it is your legal responsibility to remove any negative or adverse remarks forthwith. It is imperative to note that any negative remarks found on my credit report are a violation of the FCRA when you can not furnish the validity of the said remark. To reiterate, I do not dispute the ownership of the account. However, if you are unable to provide full reports detailing how you have validated, verified, and ensured compliance with all reporting laws and regulations, you must remove the account from my credit report. Moreover, I demand immediate correction of these inaccuracies and, should this dispute necessitate it, I expect compensation for the mental and financial distress this matter has caused, as per 15 U.S.C. 1692g. Given the gravity of the situation and to ensure all due processes are thoroughly followed, I am concurrently sending copies of this dispute to relevant regulatory and legal bodies, including : XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) Attorney Generals Office XXXX XXXX XXXX XXXX XXXX XXXX State Senate Federal Deposit Insurance Corporation ( FDIC ) Comptroller Of The Currency Federal Reserve System Federal Trade Commission ( FTC ) State and California Regulatory Agency Division of Consumer Complaints Please find enclosed, as exhibits, the documents highlighting the discrepancies in question, including evidence of the alleged debts and communication with your offices. I request a prompt response to this dispute within 30 days, as stipulated by law, detailing the actions taken to resolve the inaccuracies. Failure to respond or adequately validate the debt will necessitate further action, including but not limited to legal recourse. I appreciate your immediate attention to this urgent matter. Best regards, XXXX XXXX XXXX [ AGENT/BENEFICIARY ] WITHOUT PREJUDICE, UCC 1-308 All natural inalienable rights reserved Enclosures : Exhibit A : Correspondence with XXXX XXXX XXXX Exhibit B : Credit Report Discrepancies Exhibit C : Documentation of XXXXXXXX XXXX XXXX status and request for validation
Frequently Asked Questions
What is Complaint #8418741 about?
Complaint #8418741 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2024-02-25T12:00:00-05:00.
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.