Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: GA
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:
I submitted a complaint to the consumer financial protection bureau back on XX/XX/XXXX about Experian reinserting an account ( XXXX XXXX XXXXXXXX XXXX ) onto my consumer report. In my complaint I stated, " In XXXX of XXXX I submitted a dispute to Experian for account XXXX  XXXX XXXX, XXXX questioning the accuracy of the account. On XX/XX/XXXX, Experian removed XXXX XXXX XXXXXXXX, XXXX. from my consumer report. In XXXX of XXXX, Experian reinserted BANK XXXX XXXX, XXXX. back on my consumer report. According to 15 U.S. Code 1681i ( a ) ( 5 ) ( b ) - ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ( 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 ) Notice 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 XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I was not notified by Experian about reinserting this account of my consumer report and according to U.S. Code 1681i ( a ) ( 5 ) ( b ) iii ) 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 XXXX 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. I wasn't notified nor did I receive a statement that the disputed information was reinserted, nor was I given the business name and address of the furnisher of information contacted and the telephone number of the furnisher. This is a clear violation. '' Experian responded back saying they had reached out to the data furnisher of this account to verify this account. That is not what I asked. I was making a complaint to the consumer financial protection bureau about Experian about Experian violating 15 U.S. Code 1681i ( a ) ( 5 ) ( b ) - ( 5 ). Experian did not notify me within those XXXX business days that they were reinserting the account ( XXXX XXXX XXXXXXXX, XXXX ) onto my consumer report. According to 15 U.S. Code 1681i ( a ) ( 5 ) ( b ) - ( 5 ) that is a violation and being that I was not notified the account must be removed. Remove this account.

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