Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX To whom it may concern : I am writing to formally dispute the accuracy of certain items listed on my XXXX credit report. These items were previously investigated and resolved, with XXXX confirming their deletion, but they have been reinserted without proper notification, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Reinserted Items : XXXX XXXX XXXX XXXX Account Number : XXXX Previously Deleted : Yes, according to CFPB Complaint No. XXXX Date Reinserted : Recently reported as of 4 days ago XXXX XXXX XXXX Account Number : XXXX Previously Deleted : Yes, according to CFPB Complaint No. XXXX Date Reinserted : XX/XX/XXXX XXXX Card Services Account Number : XXXX Previously Deleted : Yes, according to CFPB Complaint No. XXXX Date Reinserted : XXXX XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX Previously Deleted : Yes, according to CFPB Complaint No. XXXX Date Reinserted : XXXX XXXX, XXXX XXXX XXXX XXXX  ( Debt Consolidation ) Account Number : XXXX Previously Deleted : Yes, according to CFPB Complaint No. XXXX Date Reinserted : XX/XX/XXXX Disputes : I am formally challenging you to review your data on file for me. I insist that you comply with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681i ) and Metro 2 compliance standards to ensure the accuracy of the information reported about me. I also request that you remove any and all false accounts from your records immediately. Only factually accurate, verified, and compliant data should be documented and included on my credit report from now on. 
Below is a summary of the data I am challenging : XXXX XXXX Card Services Account Number : XXXX Status : Charged off as bad debt, Canceled by XXXX XXXX Amount Past Due : {$2400.00} XXXX XXXX XXXX Account Number : XXXX Status : Charged off as bad debt, Dispute resolved; customer disagrees Amount Past Due : {$7900.00} XXXX Card Services Account Number : XXXX Status : Charged off as bad debt, Canceled by XXXX XXXX Amount Past Due : {$4500.00} XXXX XXXX XXXX Account Number : XXXX Status : Charged off as bad debt, Dispute resolved; customer disagrees, Profit and loss write-off Amount Past Due : {$2400.00} XXXX XXXX XXXX ( Debt Consolidation ) Account Number : XXXX Status : Charged off as bad debt, Dispute resolved; customer disagrees Amount Past Due : {$35000.00} These accounts were previously deleted following my disputes, as confirmed by responses to my complaints filed through the Consumer Financial Protection Bureau XXXX CFPB ). 
Relevant CFPB Complaint Numbers : CFPB Complaint No. XXXX CFPB Complaint No. XXXX CFPB Complaint No. XXXX The reinsertion of these accounts without proper notification is a breach of my rights and negatively impacts my credit score. I demand that these accounts be immediately deleted from my credit report. Failure to do so will leave me with no choice but to seek legal action to protect my rights. 
I am enclosing copies of the relevant documents, including previous dispute letters and responses from XXXX confirming the deletions. I am keeping detailed records of all communications regarding this matter. 
Please investigate this issue promptly and confirm in writing that these negative items have been permanently removed from my credit report. 
Sincerely, XXXX XXXX XXXX