Consumer complaint received 2025-06-14 00:00:00
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.
State: CA

Complaint narrative:
Formal Complaint Against Experian : Reinsertion Violations, Unauthorized Inquiries, and Metro 2 Noncompliance Summary of Complaint I am filing a formal complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ) including : Reinsertion of previously removed accounts without proper certification or consumer notification, in violation of FCRA 1681i ( a ) ( 5 ) ( B ).

Unauthorized inquiries made on the same dates by multiple lenders without permissible purpose, violating FCRA 1681b.

Metro 2 Compliance failures, as Experian has continued to report outdated, unverifiable, and inaccurate information on multiple accounts.

I have contacted Experian multiple times requesting deletion, validation, and proper documentation in accordance with the law, and have received no resolution.

Accounts in Question : 1. XXXX XXXX Opened : XX/XX/XXXX Closed : XX/XX/XXXX Original Balance : {$2600.00} Status : Paid collection, purchased by another lender Dispute Remarks : Unresolved reinsertion without notice XXXX. XXXX XXXX XXXX Opened : XX/XX/XXXX Closed : XX/XX/XXXX Status : Account charged off, {$100.00} past due Dispute History : Investigation complete, still inaccurately reporting XXXX. XXXX XXXX XXXX Opened : XX/XX/XXXX Status : Charged off, {$17000.00} still past due ( of {$29000.00} original ) Dispute History : Investigation marked complete, yet errors and charge-off remain Pattern of Illegal Inquiry Batches On the following dates, multiple inquiries were made on my Experian report without my consent. These are not consistent with a single consumer-initiated transaction : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Only this one authorized ) These inquiries were not consented to and constitute unlawful access under FCRA 1681b. There is no documentation or written permission from me authorizing access from the other listed companies.

Experian 's Ongoing FCRA Violations This pattern is consistent with allegations raised in the CFPBs own lawsuit against Experian ( XX/XX/XXXX ), which highlights : Failure to notify consumers of reinsertion Sham investigations of disputes Misuse of credit reporting authority Experian 's handling of my file reflects the same violations. 


" This pattern of misconduct directly aligns with the ongoing CFPB lawsuit against Experian filed in XX/XX/XXXX, reinforcing that my case is not isolated and warrant referral for enforcement action. ''

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