Credit reporting or other personal consumer reports -- Credit monitoring or identity theft protection services -- Complaint #9705276
Complaint Overview
Complaint ID: 9705276
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-Issue: Problem canceling credit monitoring or identify theft protection service
State: Florida
ZIP Code: 33020
Date Received: 2024-08-04T12:00:00-05:00
Date Sent to Company: 2024-08-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Complaint Regarding Erroneous Debt Reporting by Credit Bureaus Dear Sir/Madam , I am writing to formally lodge a complaint regarding the persistent and erroneous reporting of a debt on my credit report that is not mine. The debt in question is associated with the account number XXXX from XXXXXXXX XXXX XXXX. According to 15 U.S. Code 1681a - Rules of Construction, I did not give written permission for these accounts to be furnished on my credit report. Furthermore, this erroneous reporting has caused significant distress and has adversely affected my creditworthiness. Additionally, I would like to bring to your attention the implications of 18 U.S. Code 894 - Collection of Extensions of Credit by Extortionate Means, which states : ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. Given these legal stipulations, I demand that the credit bureaus present me with the complete debt history, including documentation bearing my signature, to validate this debt claim. Failure to do so will necessitate further legal action to rectify this unjust situation. Immediate Removal of the Erroneous Debt. I request that the Consumer Financial Protection Bureau intervene in this matter to ensure that the credit bureaus rectify this erroneous reporting immediately. This includes the removal of the incorrect debt from my credit report and the cessation of any further attempts to collect this debt. Please keep me informed of the progress of my complaint. I am eager to see this matter resolved swiftly and fairly. Thank you for your attention to this urgent matter. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #9705276 about?
Complaint #9705276 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Credit monitoring or identity theft protection services. It was received by the CFPB on 2024-08-04T12:00:00-05:00.
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.