Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am filing this non-duplicative complaint against Equifax, Experian, and TransUnion for Experians illegal reinsertion of a XXXX XXXX ( XXXX ) account ( ending in XXXX, XXXX, XXXX, XXXX ) onto my credit report, which had been previously deleted following my disputes. This reinsertion occurred despite my extensive efforts, including multiple disputes since XX/XX/XXXX, an FTC Identity Theft Report, and prior CFPB complaints ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Additionally, I demand the removal of all negative items across all accounts ( e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts, and related collections ) and the deletion of all dispute records from the last XXXX months ( XX/XX/XXXX, to XX/XX/XXXX ) to prevent future filings from being deemed frivolous or duplicate. 

Illegal Reinsertion : Experian reinserted the XXXX account ( XXXX ) without proper reinvestigation or furnisher verification, violating FCRA protocols. This action followed my successful dispute of inaccuracies, including potential fraud or billing errors. 
Broader Issues : All three CRAs have failed to remove other negative items ( e.g., XXXX {$8500.00} fraud with XXXX XXXX XXXX, XXXX accounts with inadequate XXXX validation ) despite evidence of non-delivery, unvalidated debts, and systemic investigation failures, as noted in the XXXX XX/XX/XXXX {$15.00} XXXX penalty against Equifax. 
Impact : These inaccuracies damage my credit score, cause financial distress, and undermine my rights to a fair credit report. 
Prior Actions : This complaint is distinct from prior filings, focusing on the XXXX reinsertion, total negative item removal, and dispute record clearance, not addressed in earlier submissions. 
XXXX Violations and Principles : FCRA XXXX : Requires reasonable reinvestigation ; XXXX reinsertion without new evidence breaches this, and all CRAs must remove unverified items. 
FCRA 1681s-2 ( b ) : CRAs must ensure furnishers ( e.g., XXXX, XXXX ) XXXX data ; their failure justifies deletion of all negatives. 
FCRA 1681e ( b ) : Lack of reasonable procedures, per the CFPB order, supports a complete wipe. 
FCRA 1681c-2 : My FTC report mandates blocking fraudulent items ( e.g., XXXX ) XXXX applicable to all disputed accounts. 
FCRA 1681s-2 ( e ) : Disclosure of verification methods within XXXX  days ( due XX/XX/XXXX ) is required ; non-compliance compounds violations. 
FDCPA 1692g : Unvalidated debts ( XXXX XXXX XXXX XXXX ) must be ceased, per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
FDCPA 1692e : Misrepresenting reinserted or unvalidated items as accurate is a false representation. 
FCBA 1666 : Billing errors ( e.g., non-delivery ) require correction ; CRAs must reflect this.

FTC Act 5 : Maintaining inaccurate data is an unfair practice. 
XXXX XXXX XXXX XXXX XXXX XXXX : Deceptive reporting of disputed items violates state law. 
Equity Principles : Fairness demands relief from systemic CRA negligence, including reinsertion and failure to clear disputes, to restore my credit integrity.

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