Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Dear CFPB I am writing to request your assistance in addressing a serious issue with XXXX XXXX regarding unauthorized and inaccurately reported accounts on my credit profile. The details of the accounts in question are as follows : Account Number : XXXX Account Number : XXXX Account Number : XXXX It has come to my attention that these accounts were reinserted on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, XXXX XXXX has failed to comply with the requirements under section 611 ( a ) ( XXXX ) ( B ) regarding the reinsertion of previously deleted material. The pertinent details of the violation are as follows : Requirements Relating to Reinsertion of Previously Deleted Material : 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.

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. 
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 A statement that the disputed information has been reinserted ; 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 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. 
XXXX XXXX has not provided any certification of the accuracy of the information, nor have they notified me in writing within XXXX business days of the reinsertion. This failure to comply with the FCRA not only violates my rights but has also caused significant harm to my credit profile. 
I am requesting that XXXX XXXX immediately delete all accounts associated with my identification. If the accounts are not deleted within XXXX business days, I will take appropriate legal action to seek remedies for this unauthorized and unjust handling of my credit information. 
Please contact XXXX XXXX on my behalf to ensure that these inaccuracies are addressed promptly and that my rights under the FCRA are upheld. I appreciate your immediate attention to this matter and look forward to a swift resolution. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX