Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In accordance with the Fair Credit Reporting Act, Experian has violated my rights. 15 U.S.C. 1681 Section 602 A : states that I have the right to privacy. 15 U.S.C. 1681 Section 604 A, Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. I sent various demand letters to Experian ( XX/XX/XXXX, XX/XX/XXXX to name a few ), via USPS certified mail. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code section 1681g, for the credit bureaus to send physical documentation of the files reported on my credit report, as of the date ( s ) of the letters, they used to verify the accuracy of the accounts listed. In accordance with FCRA 15 U.S.C. Section 1681 ( i ), I requested that all unverified accounts be deleted promptly. In accordance with 15 U.S.C. Section 1681 ( i ), Section 611 ( a ) ( 8 ). My rights have been violated. 

Experian REFUSED to conduct an investigation relating to account listed by " XXXX XXXX XXXX XXXX '' " XXXX XXXX XXXX XXXX' and an account listed as " XXXX  ''. The XXXX  and XXXX XXXX XXXX  account was deleted from the credit report in XX/XX/XXXX, due to identity theft and then reappeared on the Experian credit report in XX/XX/XXXX XXXX of XXXX. Experian FAILED to provide any notice ( the FCRA states they are to inform me within 5 days of the reinsertion which they failed to notify me at all ), concerning the reinsertion of the account. 

Experian FAILED : 15 U.S. Code 1681i ( 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.

Experian FAILED : 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ). 

All of the accounts that I am reaching out about have absolutely no payment history, line of credit information, etc. Experian has a responsibility to accurately report full and complete records of the accounts that they are reporting on a consumer 's credit report. 

Experian further violated my rights by REFUSING to forward physical documentation in accordance to the Fair Credit Reporting Act, by refusing to verify the validity AND accuracy of the accounts they were reporting for both XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, and " XXXX  ''.

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