Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX cc : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Formal Dispute and Demand for Permanent Deletion of Reinserted XXXX Account Re : XXXX  Account Dear Experian Dispute Department, I am writing to formally dispute and demand the permanent deletion of the above-referenced XXXX account from my Experian credit report. The facts, supporting evidence, and applicable legal provisions are outlined below. 

Timeline of Events On XX/XX/XXXX, a XXXX account was listed on my Experian credit report. A copy of this report is attached. 

I immediately disputed this reporting through both Experian and the CFPB portal. 

On XX/XX/XXXX, the XXXX account was removed from my Experian credit file, indicating that Experian had deleted the item as a result of my dispute. A copy of that updated report is attached. 

However, on XX/XX/XXXX, Experian reinserted the same XXXX account back into my file. 

To this daynearly three months laterI have not received any written notice from Experian informing me that the account was reinserted, nor have I received any documentation verifying the accuracy of the account or the certification from the furnisher as required by law. 

On XX/XX/XXXX, I filed a formal complaint with the CFPB regarding Experians improper reinsertion of the XXXX account. A copy of that complaint and its filing confirmation are attached. 

More than 30 days have passed since the CFPB complaint and Experians reinvestigation period under the Fair Credit Reporting Act ( FCRA ) has expired without resolution. 

Violations of the Fair Credit Reporting Act 1. Failure to Provide Reinsertion Notice ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) ) Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), when a consumer reporting agency reinserts previously deleted information, it must : Obtain certification from the furnisher that the information is accurate and complete ; Notify the consumer in writing within five ( 5 ) business days that the information has been reinserted ; and Include in that notice the name, address, and telephone number of the furnisher. 

Experian failed to provide this mandatory notice or any verification documentation. As such, the reinsertion of the XXXX account violates 1681i ( a ) ( 5 ) ( B ) and renders the reinsertion unlawful. 

2. FTC Guidance Permanent Deletion Required for Improper Reinsertion The Federal Trade Commissions interpretation of the FCRA makes clear that when a consumer reporting agency reinserts previously deleted information without complying with the notice and certification procedures, that item must be permanently deleted. 

Specifically, the FTC states in its official publication Fair Credit Reporting Act ( XX/XX/XXXX ) that : If a CRA deletes disputed information and the information is later reinserted, the CRA must notify the consumer within five business days. If the CRA fails to provide the required notice or fails to obtain the required certification from the furnisher, the information must be permanently deleted from the consumers file. 
Federal Trade Commission, Fair Credit Reporting Act ( XX/XX/XXXX ), p. XXXX ( XXXX XXXX XXXX  ) Because Experian reinserted this XXXX account without the required notice or certification, FTC guidance mandates its permanent deletion from my credit report. 

3. Failure to Maintain Reasonable Procedures ( 15 U.S.C. 1681i ( a ) ( 5 ) ( C ) ) The FCRA further requires that Experian maintain reasonable procedures designed to prevent the reappearance of information that has been deleted. Your reinsertion of this previously deleted XXXX account demonstrates a direct violation of this section. 

4. Failure to Complete Investigation Within 30 Days ( 15 U.S.C. 1681i ( a ) ( 1 ) ) The FCRA mandates that consumer reporting agencies complete reinvestigations within 30 days after a consumer files a dispute. Over 30 days have elapsed since my CFPB complaint dated XX/XX/XXXX, and this matter remains unresolved. Because the information remains unverified, Experian must delete it from my file under 1681i ( a ) ( 1 ) ( A ). 

5. Obligation to Delete Unverifiable Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) The FCRA clearly provides that if disputed information can not be verified, it must be promptly deleted and may not be reinserted unless all requirements of 1681i ( a ) ( 5 ) ( B ) are met. Experians failure to verify the XXXX account and its improper reinsertion both require deletion. 

Penalties for Noncompliance Under 15 U.S.C. 1681n and 1681o, a credit bureau that willfully or negligently fails to comply with the FCRA is liable for : Actual damages sustained by the consumer ; Statutory damages for willful violations ; Punitive damages as the court may allow ; and Attorneys fees and costs of action. 

If Experian continues to report this XXXX account in violation of these provisions, I will pursue all available remedies, including statutory and punitive damages under federal law. 

Demand for Immediate Action Accordingly, I hereby demand that Experian : Permanently delete the XXXX account from my Experian credit file ; Provide written confirmation of this deletion within 15 calendar days ; and Supply a complete copy of my updated Experian credit report reflecting the deletion. 

If Experian believes it has complied with FCRA reinsertion provisions, I request that you provide all documentation and certification obtained from XXXX ( or any furnisher ) relied upon to justify the reinsertion. 

Failure to comply with these requests will constitute ongoing willful noncompliance with the Fair Credit Reporting Act and will be reported to the CFPB, FTC, and my legal counsel for enforcement. 

Attachments Exhibit A : Experian credit report dated XX/XX/XXXXXXXX  ( XXXX account listed ) Exhibit B : Experian credit report dated XX/XX/XXXX ( XXXX account deleted ) Exhibit C : CFPB dispute filed regarding XXXX account ( XX/XX/XXXXXXXX  ) Exhibit D : CFPB complaint against Experian ( filed XX/XX/XXXX ) Conclusion Experians improper reinsertion of a previously deleted XXXX account without notification, certification, or verification directly violates 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), 1681i ( a ) ( 5 ) ( C ), and FTC guidance interpreting the FCRA. Under these authorities, the item must be permanently deleted from my credit file. 

Please govern yourselves accordingly. 

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