Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) and deceptive credit reporting practices committed by Experian and XXXX. These violations include the unlawful reinsertion of previously deleted fraudulent accounts, failure to conduct a proper dispute investigation, and continued misreporting of inaccurate information that damages my creditworthiness. 

Issues Identified : XXXX. Experian Unlawfully Reinserted Previously Deleted Accounts Without Notice FCRA Violation ( 1681i ( a ) ( 5 ) ( B ) ) Experians fraud department previously blocked and deleted XXXX XXXX credit card accounts from my credit file due to fraud. 
On Thursday, XX/XX/XXXX, Experian notified me that both accounts were under dispute. 
On Friday, XX/XX/XXXX, I received dispute results stating both accounts had been " verified '' without providing any documentation. 
Experian did not provide me with the legally required five-day written notice of reinsertion, violating FCRA 1681i ( a ) ( 5 ) ( B ).

2. Failure to Conduct a Reasonable Investigation FCRA Violation ( 1681i ( a ) ( 1 ) ( A ) ) Experian resolved my dispute within XXXX hours, proving that no proper investigation was conducted. 
If Experian claims these accounts were verified, they are required under FCRA 1681i ( a ) ( 6 ) ( B ) to provide : The name and contact information of the entity that verified the accounts.

Copies of documents used to verify the accounts.

Experian failed to provide this documentation, violating FCRA 1681i ( a ) ( 6 ) ( B ).

3. JPMCBs Continued Reporting of Inaccurate Balances FCRA Violation ( 1681s-2 ( a ) ) The XXXX accounts were previously deleted as fraudulent, yet they reappeared with an outstanding balance instead of {$0.00}. 
If these accounts were charged off or canceled, XXXX is required to update the balance to {$0.00} or issue a XXXX Cancellation of Debt Form, as required under 26 U.S. Code XXXX. 
JPMCBs failure to report accurate and verifiable information is a violation of FCRA 1681s-2 ( a ).

4. Re-Aging of Accounts to Extend Negative Reporting FCRA Violation ( 1681c ( a ) ) The accounts were closed in 2022, yet Experian is reporting late payments for 2023 and 2024, which suggests illegal re-aging to extend the negative reporting period beyond the seven-year limit under FCRA 1681c ( a ).

This deceptive practice is prohibited and unfairly lowers my credit score.

5. Experians Willful Non-Compliance & Negligence FCRA 1681n & 1681o Experians failure to comply with reinsertion rules, failure to conduct a proper investigation, and failure to provide verification proof constitute willful violations under FCRA 1681n, making them liable for statutory and punitive damages.

Experian may also be liable for negligent non-compliance under FCRA 1681o for failing to investigate and correct these violations despite clear evidence.

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