Consumer complaint received 2023-06-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FI XXXX To whom is may concern Experian XXXX XXXX Im a natural person and Im acting on my own behalf so please don't come up with any stall tactics!!!!!!!! I'm warning you do not reply to this dispute as verified or accurate you were willfully not compliant and violated my consumer rights. 
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 XXXX 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 consumers file disputing the accuracy or completeness of the disputed information. 

Please furnish me with the required statements and data 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 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 Im asking you for proof that you sent after 5 days of reapplying these accounts onto my consumer report you are in direct violation of my consumer rights and each violation for not compliance is subject to {$1000.00} fine on your end Intend on taking this matter to the furthest extent notifying how your company is doing bad business and violating consumer rights the cfpb will be contacted the XXXX  will be contacted and also the attorney general in your state will be notified as well if this isnt removed 15 days you will be receiving a invoice by me {$1000.00}. I have evidence that these accounts were deleted and the burden of proof is on you to provide me with the alleged letter of notice of reinsertion lets not game any games!!! 
Remove each account immediately XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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