CFPB Complaint

Experian Information Solutions Inc. – CFPB Complaint ID 3013751

Consumer Complaint Submission

Date Received: 2018-09-08T00:00:00

Product: I do not know

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I have submitted certified letters to each bureau and each creditor, and I have still not received documentation that backs up the claim. I am writing you as my final effort to rectify the issue. The issue is with all three bureaus as well as the following collection agencies : XXXX XXXX, XXXX, XXXX XXXX and XXXX.

Here is a recap : I sent a validation letter to each of the following companies listed below. I requested that they validate the validity of the debt that they are currently reporting on my credit profile as negative.
o XXXX XXXX dated, XX/XX/18 and mailed certified XX/XX/18.
o XXXX dated, XX/XX/18 and mailed certified XX/XX/18.
o XXXX XXXX dated, XX/XX/18 and mailed certified XX/XX/18.
o XXXX XXXX dated, XX/XX/18 and mailed certified XX/XX/18.
To positively prove that a debt is mine, the creditor must provide the original documentation that I filled out and signed.
They didnt even respond, and it has been well over 30 days ; almost 4 months to be exact!
Besides, how do I owe a company that I have NOT agreed to do business with?
I have not signed anything with either of the companies listed above!

Company: Experian Information Solutions Inc.

State/Zip: TX 750XX

Company Response to Complaint: Closed with non-monetary relief

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3013751

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.

See also  TD BANK US HOLDING COMPANY - CFPB Complaint 2017-07-16

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