CFPB Complaint

Experian Information Solutions Inc. – CFPB Complaint ID 2779448

Consumer Complaint Submission

Date Received: 2018-01-11T00:00:00

Product: Other debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: On XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX sent written demands and notice to XXXX, XXXX XXXX XXXX ; XXXX XXXX and XXXX XXXX XXXX in their private capacity, located at XXXX XXXX XXXX XXXX, XXXX, Indiana XXXX, and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Indiana XXXX by certified and return mail, demanding proof of claim ( {$13000.00} ), within thirty ( 30 ) days. Account # XXXX.

There was no answer or reply from XXXX, XXXX XXXX XXXX ; XXXX XXXX or XXXX XXXX XXXX in their private capacity challenging or refuting the claim by providing the requested proof of claim in the letters within 30 days of notice. Please see attached Exhibit B ; Exhibit C ; Exhibit D ; and Exhibit E.

XXXX, XXXX XXXX XXXX ; XXXX XXXX or XXXX XXXX XXXX sent the alleged debt to credit reporting agencies. XXXX disputed the claim with XXXX and XXXX and the alleged debt was deleted/closed from XXXX credits report.

See attached Exhibit F.

On XX/XX/XXXX, XXXX received from XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX or XXXX XXXX a presentment dated XX/XX/XXXX, alleging that account # XXXX had been transferred and given a new account # XXXX. XXXX sent the XX/XX/XXXX original presentment back to XXXX,, XXXX XXXX XXXX ; XXXX XXXX XXXX and XXXX XXXX, refused for cause.

See attached Exhibit G.

XXXX hired XXXX XXXX XXXX, XXXX. d/b/a XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX, and XXXX XXXX to help them commit fraud against XXXX under a new account # XXXX.

On XX/XX/XXXX, XXXX received a presentment from debt collectors XXXX XXXX XXXX, XXXX. d/b/a XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX, and XXXX XXXX allegedly having a claim against XXXX under Reference Number : XXXX and File No. XXXX.

See Attached Exhibit H.

On XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX, XXXX XXXX sent written demands and notice to XXXX XXXX XXXX, XXXX. d/b/a XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX, and XXXX XXXX in their individual capacity @ XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Indiana XXXX, by certified and return mail, demanding proof of claim ( {$13000.00} ), within thirty ( 30 ) days. New Account # XXXX.

READ  Alliance Data Card Services - CFPB Complaint ID 3112338

There was no answer or reply from XXXX XXXX XXXX, XXXX. d/b/a XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX, and XXXX XXXX in their private capacity challenging or refuting the claim by providing the requested proof of claim in the letters within 30 days of notice. Please see attached Exhibit I ; Exhibit J ; Exhibit K ; and Exhibit L.

XXXX notice the alleged debt was never removed from EXPERIAN credit reporting agencies system. On XX/XX/XXXX, XXXX disputed the alleged debt with EXPERIAN demanding an investigation, and that the alleged debt be deleted from its system due to fraud. However, Experian has refused to delete the inaccurate information from its system.

This inaccurate information in EXPERIAN system has negatively impacted XXXX ‘s credit rating in violation of the Fair Debt Collection Practices Act ( FDCPA ) at 15 USC 1692 et seq., and which states in relevant part : ” A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, ” which includes ” the false representation of the character ; or legal status of any debt, ” and ” the threat to take any action that can not legally be taken, ” all of which are violations of state and federal debt collection laws, as well as fraud.

XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX, and XXXX XXXX, as information providers and EXPERIAN, as a credit reporting agency, is also governed by the Fair Credit Reporting Act ( FCRA ). Therefore, when XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX, and XXXX XXXX in their private capacity could not and would not validate the account per the attached letters/notices and disputes mailed to their company.

XXXX mailed EXPERIAN a follow-up letter via Priority Mail on XX/XX/XXXX, stating that she was unsuccessful at having XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX, and XXXX XXXX validate the alleged accounts/debt and delete the disputed, inaccurate account from her credit file.

READ  ENCORE CAPITAL GROUP INC. - CFPB Complaint 2017-05-03

Yet EXPERIAN continues to report and display the inaccurate debt account on XXXX ‘s credit report. Moreover, XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX, and XXXX XXXX has completely disregarded XXXX ‘s attempts to have the accounts validated, which leads XXXX to believe these accounts are fraudulent.

Company: Experian Information Solutions Inc.

State/Zip: IN 463XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2779448

The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.

Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.

In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.




About the author

Research Department

Here is where you will find important stories located from around the web which can impact you and your financial life.

Scroll to Top