Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #9322691
Complaint Overview
Complaint ID: 9322691
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: New York
ZIP Code: 11207
Date Received: 2024-06-21T12:00:00-05:00
Date Sent to Company: 2024-06-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Experian, I am writing to request that you immediately delete a debt that has been reported on my credit file. The debt in question was sent to collections and I no longer have any legal obligation to pay it. As you are aware, under the Fair Credit Reporting Act ( FCRA ), a debt that has been paid or settled is no longer considered a valid debt and should be deleted from a consumer 's credit report. ( 15 U.S.C. 1681c ( a ) ( 1 ) ) Furthermore, the Consumer Financial Protection Bureau ( CFPB ) has clearly stated that " a debt collector can not collect a debt that the collector knows is not valid '' ( 12 CFR 1006.6 ( a ) ( 1 ) ). Therefore, I request that you take immediate action to delete this debt from my credit report. Please find the details of the debt below : Account Name child support Enforcem Account Number XXXX Date open XXXX XXXX 2017 Original Creditor XXXX XXXX Please confirm in writing that the debt has been deleted from my credit report within the next 30 days. Thank you
Frequently Asked Questions
What is Complaint #9322691 about?
Complaint #9322691 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 2024-06-21T12:00:00-05:00.
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.