Consumer complaint received 2017-06-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
A Fraud item   XXXX   XXXX   XXXX   ( accounts #  XXXX **** ) successfully disputed as Verification shown on my credit report file sent on  XX/XX/XXXX , 2017 in writing form. The credit report of (  XX/XX/XXXX /2017 ) and the report file number  XXXX  shows these items were deleted from my credit file. Now these items have been reinserted on my credit report.
<P/>
The last credit update on  XX/XX/XXXX , 2017 which is 14 days passed from  XXXX  Verification Letter on  XX/XX/XXXX , 2017 was received, I discovered the item   XXXX   XXXX   XXXX   #  XXXX **** had been REAPPEARING into my credit file when i check my credit report online. By LAW you are required to notify me within Five ( 5 ) days limits of Re-inserting a previously Deleted item under ( FCRA ) Fair Credit Reporting Act in Written Form. I did Not receive any such notification. You have VIOLATED the Fair Credit Reporting Act FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Clause ( ii ), ( Considered 9 days late from the time expired without a written form ).
<P/>
In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *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 reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.
*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. 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 no later than 5 business days after the reinsertion date. In responsibilities Credit Bureau is liable if fail to observe the time limits.
( 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.
<P/>
I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.
<P/>
If an Item Reappears : All violations of the FCRA are treated seriously and can result in a {$1000.00} fine, payable to you, should you successfully sue the offender and win in court. Sometimes merely notifying a creditor or credit bureau of a violation is enough to get the item removed.
Should an offender refuse to cooperate with you after notification of FCRA violations, and you are not willing or able to go to court, you could report the violation to the Federal Trade Commission ( FTC ) or the Consumer Financial Protection Bureau ( CFPB ) and let them pursue the matter. Make sure the offender is aware you are reporting them to  XXXX  or  XXXX  of these  XXXX  agencies. When governmental agencies confront such problems, however, the consumer isnt eligible for the {$1000.00} statutory reward that might otherwise be payable should the matter be resolved in the consumers favor in court.

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