Consumer complaint received 2025-03-27 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: CA

Complaint narrative:
Subject : Dispute Regarding Illegal Reinstatement of Deleted Accounts Reference to CFPB Lawsuit Against Experian and Other Credit Bureaus To Whom It May Concern, I am writing to formally dispute the illegal reinstatement of deleted account on my credit report, specifically XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXX, and to request immediate corrective action in accordance with the Fair Credit Reporting Act ( FCRA ) and applicable laws. My dispute pertains to Experian, as well as other credit reporting agencies, and references the recent lawsuit filed by the CFPB against Experian and other credit bureaus for similar violations. 

I have previously submitted multiple disputes regarding this issue, including but not limited to : Report # XXXX filed on XX/XX/year> Report # XXXX submitted on XX/XX/year> Report # XXXX submitted on XX/XX/year> Report # XXXX submitted on XX/XX/year> Report # XXXX submitted on XX/XX/year> Despite my formal disputes and the legal obligations of credit reporting agencies, my deleted accounts have been improperly reinstated without proper notification, investigation, or justification. This constitutes a violation of several provisions under the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Failure to properly notify me when reinserting a previously deleted account. Under this statute, a consumer reporting agency must provide notice within five business days of reinserting information and must ensure the data furnisher certifies its accuracy. 

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to provide the required notice regarding the results of reinvestigation into disputed information.

15 U.S.C. 1681s-2 ( b ) Failure of furnishers to properly investigate disputed information as required under the FCRA.

15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to ensure the maximum possible accuracy of credit reports.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a proper and reasonable reinvestigation after I submitted disputes. 

The illegal reinstatement of deleted accounts has caused undue harm to my credit profile and financial stability. Given the CFPBs current litigation against Experian and others for these very violations, I request that immediate action be taken to : Permanently delete the reinstated accounts from my credit report. 

Provide me with written confirmation that these accounts have been removed. 

Ensure compliance with the FCRA and other applicable laws in handling my disputes. 

Investigate why Experian and other credit bureaus have continued this practice despite legal action from the CFPB. 

I request a written response confirming the corrective actions taken. If this matter is not resolved promptly, I reserve the right to escalate my complaint further, including seeking legal remedies for the damages caused by these FCRA violations. 

Please treat this letter as a formal request for resolution and take immediate corrective action. Thank you for your prompt attention to this matter. 

Sincerely, XXXX 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