Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Complaint Title : Experian Procedural Violations, Reinsertion Misconduct, and Consumer Obstruction ( Not a Duplicate of Prior Complaint ) Disclosure As a consumer who is currently denied access to my Experian credit report and online dispute portal, in what also appears to be a cover-up of multiple FCRA violations and retaliation for prior CFPB complaints, I am fully exercising my rights under the Fair Credit Reporting Act ( FCRA ). 
I am documenting each of these violations in preparation for formal legal escalation. These include : Deletion delays beyond the 30-day deadline Illegal reinsertion of accounts without notice or certification Misleading dispute communications to the CFPB Denial of access to my credit report and score Failure to provide reinvestigation documentation I respectfully request that this complaint be added to the CFPBs ongoing enforcement action, CFPB v. Experian ( 2025 ). My experience directly exemplifies many of the deceptive, obstructive, and unlawful practices that are already the subject of federal investigation in that case. 

Summary of Allegations : 1. Misleading Communications and Dispute Outcomes Experian continues to publicly claim that it offers accurate, transparent, and timely credit monitoring yet in practice, it has actively obstructed my ability to monitor, access, or receive clear updates regarding my own credit file.

Dispute outcomes are not properly disclosed. Instead, Experian issues contradictory, recycled, or misleading communications that obscure the true status of investigations and account changes. 
Example : On XX/XX/year>, I received XXXX system-generated notifications from Experian confirming XXXX multiple accounts had been deleted and reinserted including XXXX XXXX XXXX and XXXXXXXX XXXX ( XXXX ). These notices clearly indicated that all reinvestigation activity had been completed. 
Yet, just XXXX days later, in its XX/XX/year> response to CFPB Complaint ID # XXXX, Experian falsely claimed the matter was still in progress. This was a moot and knowingly misleading communication, submitted only after all account actions had been finalized and after the XXXX reinvestigation deadline had already passed ( XX/XX/year> ). 
The XX/XX/XXXX dispute results notification was not a new update at all it was a recycled copy of the XX/XX/XXXX reinsertion notice, intended to give the illusion of ongoing review when no such process was taking place. 
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2. Blocking Consumer Access Experian has blocked my ability to view my full credit file online during active disputes.

This has obstructed my ability to track, review, or respond to changes made to my credit report.

See Exhibits : Screenshots of denied online access and system rejections of login and dispute attempts. 
XXXX. Illegal Reinsertion of Deleted Data No Notice or Certification On XX/XX/year> at XXXX AM, Experian deleted multiple accounts from my credit report, including : o XXXX XXXX ( XXXX ) o XXXX XXXX XXXX XXXX o XXXX XXXX XXXX These deletions occurred not as part of timely dispute resolution, but rather as belated corrective actions taken after Experian failed to complete its reinvestigation within the XXXX deadline, which expired on XX/XX/year>. This delay already constituted a violation of FCRA 1681i ( a ) ( 1 ) ( A ). 
However, later that same day by XXXXXXXX XXXX  on XX/XX/XXXX, and again in a recycled communication on XX/XX/XXXX Experian reinserted the deleted XXXX XXXX XXXX XXXX accounts into my credit file. This was done : o Without any advance notice o Without identifying the furnisher o Without providing recertification or documentation, as required under FCRA 1681i ( a ) ( 5 ) ( B ) I have not received : o A written notice of reinsertion o The name and contact information of the furnisher ( s ) responsible o Any certification that the information was complete and verified o Any evidence of reinvestigation or documentation supporting the decision to reinsert This pattern suggests that furnishers were likely alerted to the XX/XX/XXXX deletions and rapidly pushed placeholder data via automated systems like e-OSCAR, prompting Experian to reinsert the accounts without lawful oversight. This would constitute a willful failure of Experians gatekeeping duties and a clear violation of FCRA 1681i ( a ) ( 5 ) ( B ).

Experians conduct here reveals not only technical violations, but also intentional abuse of dispute timelines and automated reinsertion protocols in a way that actively misleads consumers and circumvents legal safeguards.

4. Failure to Provide Documentation Repeated Violations I submitted multiple formal requests for documentation used in Experians reinvestigation process, including : Certified dispute letters dated XX/XX/XXXX and XX/XX/year> ( both received by Experian ) CFPB Complaint # XXXX, submitted XX/XX/year>, specifically requesting all documentation relied upon for dispute verification As of XX/XX/year>, no reinvestigation documents have been provided. This is a clear violation of : FCRA 1681g Right to access all information in ones file FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) Right to disclosure of reinvestigation method and evidence used 5. Obstruction of Oversight Misleading Communications with the CFPB Experians XX/XX/year> response to CFPB Complaint ID # XXXX was knowingly false and obstructive. Despite having completed all reinvestigation activity by XX/XX/year> the statutory XXXX deadline Experian falsely claimed to the CFPB that the matter was still in progress. This statement was directly contradicted by Experians own actions, taken quietly on XX/XX/XXXX, which included deletions and reinsertions without notice or documentation. 
On XX/XX/year>, Experian issued XXXX separate dispute notifications : XXXX XXXX  A notification stating that XXXX accounts had been deleted : o XXXX XXXX XXXX XXXX o XXXX XXXX XXXX o XXXX XXXX ( XXXX  ) This notification reflected belated corrective action not a timely dispute result. Experian had failed to complete the reinvestigation within the XXXX period that ended XX/XX/XXXX. 
XXXX PM A second notification stating that XXXX accounts had been updated, and that XXXX accounts ( XXXX XXXX and XXXX ) had been reinserted just hours after deletion and with no legally required reinsertion notice under FCRA 1681i ( a ) ( 5 ) ( B ).

Despite these completed actions, Experian falsely told the CFPB on XX/XX/XXXX that the case remained in progress. Then, approximately XXXX hours after the CFPB status update, Experian issued a final dispute results notification at XXXX PM on XX/XX/XXXX a document that was identical to the XX/XX/XXXX reinsertion notice, indicating no new activity had occurred. 
This was not a legitimate follow-up ; it was a recycled, re-dated copy of prior actions, strategically issued to create the illusion that Experian was still investigating and had not yet closed the matter. 
Experians delay and false statements appear designed to : Obscure its failure to meet the FCRAs XXXX reinvestigation deadline, which expired on XX/XX/XXXX. 
Reframe post-deadline deletions as official results, when they were actually attempts to correct prior violations. 
Conceal reinsertion misconduct ( done without notice or certification ) behind the appearance of formal results. 
Evade the 15-day statutory deadline to provide reinvestigation documentation under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), which was triggered no later than XX/XX/year>. 
This behavior reflects a deliberate effort to mislead federal regulators, frustrate consumer rights, and exploit procedural loopholes. By falsely claiming that reinvestigation was still underway after having already acted in secret and beyond deadlines Experian obstructed both regulatory oversight and your ability to contest its unlawful actions. 



Applicable Legal Violations : FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] Failure to ensure the maximum possible accuracy of information in the consumers file FCRA 609 ( a ) ( 1 ) [ 15 U.S.C. 1681g ( a ) ( 1 ) ] Denial of consumer access to their complete file upon request ( report blocked or inaccessible ) FCRA 611 ( a ) ( 5 ) ( B ) [ 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ] Illegal reinsertion of previously deleted data without notice or furnisher recertification FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) [ 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ] Failure to provide a description of the method of verification and supporting documentation after dispute resolution FCRA 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ] Failure to complete reinvestigation within 30 days of receiving dispute CFPB Act UDAAP [ 12 U.S.C. 5531 & 5536 ] Engaging in unfair, deceptive, and abusive acts and practices ( e.g., recycling dispute results, misleading the CFPB, obstructing access ) Consumer Impact Experians actions have caused ongoing stress, emotional hardship, and confusion. Despite my good faith efforts submitting timely disputes, formal documentation, and escalating properly through the CFPB I have been : Blocked from accessing my report Misled by dispute results and CFPB responses Denied documentation Subjected to surprise reinsertions with no warning I am not being treated as a party to the dispute, but as a spectator in a process I can not monitor, verify, or control. That is fundamentally unjust.

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