Consumer complaint received 2025-05-13 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: TX

Complaint narrative:
I am writing to bring to your immediate attention the unlawful reinsertion of a previously removed following account on my Experian credit report. 
XXXX XXXX XXXX / XXXX Account # XXXX This account was resolved, closed, and appropriately deleted, and its sudden reappearancewithout written notice, proper investigation, or lawful justificationnot only reflects gross negligence, but also constitutes multiple direct violations of federal consumer protection statutes under the Fair Credit Reporting Act ( FCRA ), as well as other governing consumer laws. 
Under XXXX U.S.C. XXXXi ( a ) ( 5 ) ( B ) ( ii ), if a consumer reporting agency like Experian reinserts information that was previously deleted due to a dispute, it must notify the consumer in writing within five business days of such reinsertion. I received no such notice. This is a clear statutory violation, as reinsertion without proper notification strips me of my legal right to respond, review, or challenge the reappearance of the derogatory item. 
Additionally, XXXX U.S.C. XXXXb ( a ) ( 3 ) states that information may only be furnished if there is a permissible purpose, such as an active credit relationship or legitimate collection activity. There is no relationship with this account as the account with databreach. Therefore, any continued inclusion of this account on my report is unauthorized and unlawful. Experian has no permissible purpose to allow the account to reappear and is therefore operating outside of the boundaries of what federal law allows. 
Experian is also responsible under XXXX U.S.C. XXXXe ( b ) for maintaining procedures that ensure maximum possible accuracy in the information it reports. By reintroducing a paid and closed account without verification or accuracy checks, Experian has not only failed to meet this standard but has actively allowed the distribution of inaccurate and damaging information to third parties. This undermines the integrity of your reporting responsibilities and is particularly egregious in the context of recent legal precedent. 
In Case XXXX, the United States District Court addressed the dangerous pattern of negligent reinsertion, failure to investigate, and overreliance on flawed automation tools such as E-OSCARused by Experian and other CRAs to mechanically process disputes without proper human review or documentation. That case reinforced what the FCRA already requires : that consumer reporting agencies can not rely solely on furnishers statements. They must conduct meaningful investigations and act only on verified, documented information. 
Despite the legal mandates laid out under the FCRA and clarified by the FTCs XXXX opinion letter, Experian has failed to conduct a legally sufficient investigation of this dispute. You did not request or provide documentation from XXXX showing that the debt was valid at the time of reinsertion. This alone constitutes noncompliance under XXXX U.S.C. XXXXi and XXXX ( b ), as both Experian and the furnisher are required to conduct a lawful and thorough reinvestigation when a consumer disputes an account. 
Experians actions may also violate XXXX U.S.C. XXXX of the XXXX-Bliley Act, which requires consumer reporting agencies to implement procedures that protect the integrity, accuracy, and confidentiality of personally identifiable information. Your failure to uphold those procedures has resulted in the unauthorized and harmful reporting of an account that should not exist on my credit file. 
Beyond the FCRA, Experians continued refusal to validate this account through lawful means may also implicate violations of the Truth in Lending Act ( XXXX U.S.C. XXXXb ), the Fair Debt Collection Practices Act ( XXXX U.S.C. XXXXj ), the Debt Bondage Repair Act ( XXXX U.S.C. XXXX ), the Privacy Act of 1974, and principles laid out in the Federal Trade Commission Act ( XXXX U.S.C. XXXX ), all of which are designed to prevent unfair, deceptive, and abusive practices in consumer credit reporting.

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