Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: SC
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:
Please note, this complaint is not a duplicate complaint, I'm sending this complaint because Experian has violated my consumer rights by reporting account on my report that belongs to one of my relatives, this account was previously deleted from my report and re-inserted without sending me any notification and without any legal basis. 
his is a request as authorized by the FCRA. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] In my letter of XXXX XXXX XXXX that I sent through CFPB portal I disputed the following account XXXX  XXXX XXXX Account number XXXX In your response of XX/XX/2023 you have deleted this account from my report ( copy of report has bee attached ). 

Please furnish me with the following ; ( 1 ) A description of the procedure used to determine the accuracy and completeness of the information.

( 2 ) 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 such information ; Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section 1031 of the Dodd-Frank Act ) Sincerely, XXXX XXXX XXXX IF AN ACCOUNT THAT WAS DELETED HAS BEEN REINSERTED -SUBSTITUTE ( 1 ) & ( 2 ) WITH THIS : In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions.

Requirements relating to reinsertion of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumer 's 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. 

Please furnish me with copies of any and all such certification. 

If any information that has been deleted from a consumer 's 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. 

I received no such notification, this is a serious violation of the FCRA, and I reserve the right to pursue further action. 

Additional information. As 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 consumer 's file disputing the accuracy or completeness of the disputed information. 

Please furnish me with the required statements and data ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph and a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Please furnish me with a full description of the procedures used to determine the accuracy of the information. 

( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

In accordance with the above requirements of the FCRA, please furnish me with all requested material within 15 days

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 explanation