Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
# CFPB Complaint Letter Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX * * RE : FCRA Violations by XXXX XXXX XXXX XXXX and Experian * * To Whom It May Concern : I am writing to file a formal complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX ) and Experian Information Solutions. 

XXXX XXXX Account Details- Collection Agency : XXXX XXXX XXXX XXXX XXXX 
- Account Number : XXXX - Original Creditor : XXXX XXXX XXXX XXXX. 
- Account Opened : XX/XX/XXXX - Balance Claimed : {$1000.00} - Current Status : Collection account, {$1000.00} past due as of XX/XX/XXXXXXXX XXXX XXXX  Nature of Complaint This collection account was previously disputed and removed from my Experian credit report following a successful dispute under the FCRA. However, this account has now reappeared on my credit report dated XX/XX/XXXX ( Report XXXX XXXX ) without any notification of reinsertion as required by law. 

As evidenced in my Experian report, there is a " Reinvestigation info '' section stating : " This item was updated from our processing of your dispute in XXXX XXXX. '' Additionally, there are previous comment entries showing " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) '' followed by multiple " Invalid date '' entries, which further demonstrates ongoing issues with this account 's reporting accuracy. 

# # Specific FCRA Violations and Evidence 1. * * 611 ( a ) ( 5 ) - Improper Reinsertion of Deleted Information * * : The account was previously removed from my credit report following a dispute and investigation. Its reinsertion without new evidence constitutes a violation. 

2. * * 611 ( a ) ( 5 ) ( B ) - Failure to Provide Reinsertion Notice * * : I received no notification within 5 business days that this previously deleted information was being reinserted into my file. 

3. * * 623 ( a ) ( 1 ) - Reporting Inaccurate Information * * : The account is showing multiple months of delinquent payment history ( marked in red on my credit report 's payment history visualization ) for a disputed debt. 

4. * * 623 ( a ) ( 3 ) - Failure to Report Account as Disputed * * : While the account shows " This account is currently under dispute '' on Experian 's website, the payment history remains reported as delinquent without appropriate dispute flags. 

5. * * 623 ( b ) ( 1 ) - Failure to Properly Investigate * * : Despite my recent dispute in XX/XX/XXXX ( as confirmed in the " Reinvestigation info '' section of my report ), the account remains on my credit report with the same incorrect information and now shows a pattern of " Invalid date '' entries in previous comments, indicating systemic failures in the investigation process. 

# # Truth in Lending Act ( TILA ) Violations 6. XXXX XXXX XXXX XXXX Failure to Accurately Disclose Credit Terms * * : The collection account appears to include charges that were not properly disclosed in accordance with TILA requirements. The {$1000.00} balance may include unauthorized interest or fees not disclosed in original credit terms. 

7. XXXX XXXX XXXX - Improper Assignment Notification * * : If my debt was transferred or sold to XXXX, proper notification of this transfer as required under TILA does not appear to have occurred. 

# # Gramm-Leach-Bliley Act ( GLBA ) Violations 8. XXXX XXXX XXXXXXXX - Privacy Information Violations * * : XXXX appears to have obtained and used my personal financial information without providing the required privacy notices explaining how my information would be shared and used. 

9. XXXX XXXX XXXXXXXX - Inadequate Safeguards for Personal Information * * : The inconsistent reporting of this account, with multiple " Invalid date '' entries and reinsertion without proper notification, suggests failures in the safeguarding requirements mandated by GLBA. 

10. XXXX XXXX XXXXXXXX - Potential Pretexting Concerns * * : The reappearance of previously disputed information raises questions about whether my information was obtained through appropriate channels, potentially violating GLBA 's pretexting prohibitions. 

XXXX XXXX  Potential Legal Action I am prepared to pursue all legal remedies available to me under federal consumer protection laws. I have consulted with legal counsel regarding filing a lawsuit in Federal District Court for violations of the FCRA ( 15 U.S.C. 1681 et seq. ), TILA ( 15 U.S.C. 1601 et seq. ), and GLBA ( 15 U.S.C. 6801 et seq. ). 

Recent case law strongly supports my position : * In * XXXX XXXX XXXX XXXX  XXXX XXXX XXXX *, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court affirmed a jury award of {$1000.00} in statutory damages and {$80000.00} in punitive damages for FCRA violations by a financial institution. 

* Section 611 ( a ) ( 5 ) of the FCRA specifically prohibits reinsertion of previously deleted information without proper certification and notification. Under this section, Experian was required to notify me in writing within 5 business days of reinsertion, which did not occur. 

* The FCRA permits recovery of statutory damages between {$100.00} and {$1000.00} per willful violation, plus punitive damages with no statutory cap, plus actual damages, attorney 's fees and costs. 

* Multiple credit reporting agencies have been subject to class action lawsuits for similar violations, resulting in significant settlements. 

I believe this matter represents exactly the type of consumer harm these laws were designed to prevent. While I prefer to resolve this matter through the CFPB complaint process, I am fully prepared to file a federal lawsuit if necessary to protect my rights under these consumer protection statutes. 

# # Requested Resolution 1. Complete removal of the XXXX account from all credit reports 2. Statutory damages of {$1000.00} for each separate FCRA violation as permitted under XXXX and XXXX XXXX. Additional damages for TILA violations ( XXXX ) and GLBA violations ( XXXX ) 4. Investigation into Experian 's reinsertion practices and XXXX 's information handling practices 5. Corrective action to ensure compliance with FCRA, TILA, and GLBA requirements The report shows 7 potentially negative items on my credit report, causing significant harm to my credit score and financial well-being. This has resulted in emotional distress and potential financial damages, including possible loan denials and higher interest rates. 

Thank you for your prompt attention to this matter. I am prepared to provide any additional information necessary to facilitate your investigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Experian Credit Report # : XXXX

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