Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This new complaint involving new evidence and new events concerns two XXXX XXXX credit-card accountsXXXXXXXX XXXX  Everyday ending in XXXX and XXXX XXXX XXXX ending in XXXX were repeatedly disputed and ultimately deleted from XXXX Experian, and XXXX after findings of inaccurate and unverifiable reporting. 

Despite those deletions, XXXX XXXX Fraud Operations has recently contacted me in XX/XX/XXXX about these same accounts, raising concern that the company intends to re-classify or re-furnish them, in violation of the Fair Credit Reporting Act ( FCRA ). 

Prior CFPB Cases and Evidence : Case # XXXX ( filed XX/XX/XXXX ) : I disputed the XXXX XXXX account ending in XXXX after a XXXX update on XX/XX/XXXX showed a continued charge-off status and past-due amount for an account closed in XXXX. That update constituted illegal re-aging and false balance reporting. I requested full documentary proof of liability, including the Cardmember Agreement, application records, payment ledger, and 1099-C. None were produced. XXXX XXXX XX/XX/XXXX, reply ( XXXX XXXX letter from XXXX XXXX ) merely asserted verified status and acknowledged no 1099-C was issued. The company admitted relying on ACDV data exchange responses rather than original documents. 

Case # XXXX ( filed XX/XX/XXXX ) : I disputed the same accounts plus other tradelines with XXXX. XXXX XXXX again failed to produce any contract or ledger and continued to report both accounts as charge-offs without 1099-C filings. Its response on XX/XX/XXXX was conclusory and did not address the evidence of re-aging or documentation failures. 

These records show a pattern of continued reporting after notice and lack of documentary verification, violating multiple FCRA sections and IRS reporting duties. 

Current Issue : After the tradelines were deleted from all three bureaus, XXXX XXXX Fraud Operations contacted me in XX/XX/XXXX. Because I am a documented victim of identity theft with a valid FTC Identity Theft Report on file, any renewed furnishing or fraud review of these accounts would trigger the blocking requirements of FCRA 605B. If XXXX XXXX attempts to re-report or reinsert these accounts without certified proof, it will violate 611 ( a ) ( 5 ) ( B ) ( reinsertion after deletion ), 607 ( b ) ( maximum accuracy ), and 623 ( a ) ( 1 ) ( A ) ( furnishing information known to be inaccurate ). 

The XX/XX/XXXX, letter explicitly states that the company has no control over how the credit reporting agencies display the information, confirming that XXXX XXXX relies solely on automated data feeds without manual verification of accuracy. Such practice fails the statutory requirement for reasonable procedures to ensure accuracy under FCRA 607 ( b ). 

Because both tradelines were removed from XXXX, Experian, and XXXX, any re-reporting now would constitute an illegal reinsertion of deleted data and a continuing violation of the FCRA. 

Statutory Violations Cited : FCRA 1681e ( b ) Failure to ensure maximum possible accuracy.

FCRA 1681i ( a ) Failure to conduct a reasonable reinvestigation.

FCRA 1681i ( a ) ( 5 ) ( A ) Failure to delete unverifiable information. 

FCRA 611 ( a ) ( 5 ) ( B ) Unlawful reinsertion of deleted data without notice.

FCRA 605B Failure to block identity-theft-related information.

FCRA 623 ( a ) ( 1 ) ( A ) Knowingly furnishing inaccurate data.

26 U.S.C. 6050P Failure to issue Form 1099-C for canceled debt.

Per 15 U.S.C. 1681a ( q ) ( 4 ) and the FTCs implementing rule ( 16 C.F.R. 603.3 ) : Identity theft report means a report that a consumer has filed with a federal, state, or local law enforcement agency, or the Federal Trade Commission ( FTC ).

The law explicitly recognizes an FTC Identity Theft Report ( filed at IdentityTheft.gov ) as a valid substitute for a police report. 


( I have attached identification verification to this complaint. )

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