Consumer complaint received 2025-02-07 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: TX

Complaint narrative:
To : Equifax, Experian, and TransUnion From : XXXX XXXX Date : [ Insert Date ] Re : Illegal Reinsertion of XXXX XXXX XXXX  Account Violations of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), 1681e ( b ), and 1681s-2 To Whom It May Concern, This letter serves as a final notice before legal action against Equifax, Experian, and TransUnion for re-inserting the deleted XXXX XXXX XXXX  account without providing the required notice, failing to ensure maximum possible accuracy, and violating multiple provisions of the Fair Credit Reporting Act ( FCRA ). Your repeated failure to follow federal law has caused significant financial harm, and unless this account is immediately removed, I will pursue all legal remedies, including statutory damages, actual damages, and punitive damages. 

Violations Committed by Equifax, Experian, and TransUnion 1. Unlawful Reinsertion Without Notice ( FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) According to the FCRA, if an item is deleted from a consumers credit report, a CRA can not reinsert it unless : The furnisher certifies the information is accurate. 
The CRA notifies the consumer in writing within five business days of the reinsertion. 

You failed on both counts. 
No written notice was provided regarding the reinsertion of the XXXX XXXX XXXX  account. 
No certification of accuracy was sent to verify the legitimacy of the information. 
This is a direct violation of federal law, and as such, you are now liable for damages under 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ). 

2. Failure to Ensure Maximum Possible Accuracy ( FCRA 15 U.S.C. 1681e ( b ) ) Each CRA is legally required to verify the accuracy of reported information before including it in a consumers file. The XXXX XXXX XXXX  account was previously removed, indicating that the information was not verified or deemed inaccurate. Its reinsertion without any new verification demonstrates a failure to ensure maximum possible accuracy as required under 15 U.S.C. 1681e ( b ). 
If Equifax, Experian, or TransUnion can not verify the accuracy of the XXXX XXXX XXXX  account, it must be permanently deleted from my report. 
Your continued reporting of this inaccurate and unverifiable account is grounds for statutory and actual damages. 

3. Failure to Conduct a Reasonable Investigation ( FCRA 15 U.S.C. 1681i ( a ) ) Upon receiving a dispute, each CRA is required to conduct a reasonable reinvestigation. Instead of investigating, you ignored my dispute, violating : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Obligation to conduct a reasonable reinvestigation. 
15 U.S.C. 1681i ( a ) ( 6 ) ( A ) : Requirement to notify me of the results of the investigation. 

By failing to investigate and instead re-reporting a deleted account, you have engaged in clear reckless disregard for federal law and consumer rights. 

4. Furnisher Violations XXXX XXXX XXXX  ( FCRA 15 U.S.C. 1681s-2 ) XXXX XXXX XXXX is also in violation of the FCRA because : They failed to ensure the accuracy of their reporting before resubmitting the account. 
They failed to notify me in writing within 30 days of furnishing negative information, violating 15 U.S.C. 1681s-2 ( a ) ( 7 ). 

As a result, the credit bureaus must delete this unverifiable account immediately or be held equally liable under 15 U.S.C. 1681s-2 ( b ). 

Penalties and Legal Liability Due to these violations, Equifax, Experian, and TransUnion are each subject to the following penalties and damages : Statutory Damages ( 15 U.S.C. 1681n ) : Up to {$1000.00} per violation ( each CRA ). 
Negligent Noncompliance ( 15 U.S.C. 1681o ) : Liable for actual damages sustained due to these violations. 
Willful Noncompliance ( 15 U.S.C. 1681n ( a ) ( 2 ) ) : Punitive damages at the courts discretion. 
Failure to Notify ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) : Each failure to notify is a separate violation, meaning damages multiply. 
Attorneys Fees & Court Costs ( 15 U.S.C. 1681n ( a ) ( 3 ) ) : You will be liable for all legal fees associated with this case. 

At a minimum, these violations expose each bureau to thousands of dollars in damages per violation, with no limit on punitive damages in cases of willful noncompliance. 

Final Demand Immediate Deletion or Lawsuit I demand that Equifax, Experian, and TransUnion : 1. Immediately and permanently remove the XXXX XXXX XXXX  account from my credit reports. 
2. Provide written confirmation of its deletion within 10 days. 
3. Provide documentation proving the furnisher certified its accuracy before reinsertion. 
4. Explain why I was not notified within 5 business days of reinsertion, as required by law. 

Settlement Option If you prefer to settle this matter without litigation, I am willing to discuss a reasonable resolution, which must include : Full deletion of the XXXX XXXX XXXX  account. 
Monetary compensation for damages. 

If no action is taken within 10 days, I will proceed with a formal lawsuit against all three credit bureaus, seeking : Maximum statutory damages per violation. 
Actual damages for financial harm. 
Punitive damages for willful FCRA violations. 
Full reimbursement of legal fees and court costs. 

This is your final opportunity to correct these egregious violations before legal action is initiated

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