Consumer complaint received 2017-05-10
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On my Experian credit report I disputed   XXXX   XXXX   XXXX    account and it was deleted in   XXXX   XXXX  . It showed back up on my Experian credit report around   XXXX   XXXX   XXXX  . According to FCRA rule  1681i I should  have been infromed by a 5 day letter which I never received. So on   XXXX   XXXX   I called Experian and asked to verify the dispute and the deletion which they did at which time I informed them about rule  1681i  and at which time the lady could n't find any information on the 5 day letter being mailed so she put me on hold back and forth for about 20 minutes at which time she took my phone number and said her supervisor  XXXX  would call me back on it shortly after but I never received the call from her. I called back she was in meeting lady said she would send document to remind her to call again never heard from her.They could not come up with any information on them mailing me the 5 day letter of reinstatement. So I want this item deleted from my credit report as according the FCRA rule 1681i the process they were to follow was n't and should be deleted.        15 U.S. Code 1681i  - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information  may  not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.    ( ii ) N otice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.    ( iii )  Additional informationAs part of, or in addition to, the notice under clause (  ii  ), a consumer reporting agency shall provide to a consumer in writing not later than  5  business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ;  ( II  ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and  ( III )  a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief