Consumer complaint received 2025-08-17 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: FL

Complaint narrative:
I am filing this complaint because the credit reporting agencies ( Experian, Equifax, and TransUnion ) are in violation of the Fair Credit Reporting Act ( FCRA ). This complaint is against Experian Information Solutions , Inc. References to XXXX are context only. 

XXXX XXXX Account XXXX XXXX XXXX XXXX account that was previously deleted months ago has been unlawfully reinserted on all three credit bureaus. This reinsertion caused a XXXX drop in my credit score. Under FCRA 611 ( a ) ( 5 ) ( B ), the bureaus are prohibited from re-inserting deleted information unless the furnisher certifies its accuracy, and the consumer must be notified within XXXX business days. I received no notice or certification. 
Additionally, under FCRA 605B, once I submitted an FTC Identity Theft Report, the bureaus were required to permanently block this fraudulent information. The reinsertion of XXXX XXXX is a direct violation of federal law. 
XXXX XXXX Account XXXX XXXX XXXX charge-off is being reported inaccurately. This account does not belong to me and must be permanently deleted. Reporting this account violates FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know, or should know, is inaccurate. 
Unauthorized Inquiries My report shows multiple unauthorized inquiries ( including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX among others ). These inquiries were made without my knowledge or consent and must be deleted immediately. Under FCRA 604 ( a ) ( 2 ), no entity may access a consumer report without a permissible purpose. 
The XXXX XXXX account is only reporting on my XXXX  file, not on Experian or XXXX. This inconsistency proves it is inaccurate and unverifiable under FCRA 607 ( b ). I am requesting its immediate deletion from XXXX  as it does not belong to me. 

Incorrect Personal Information The bureaus are reporting multiple names, addresses, and phone numbers that are inaccurate. The only correct identifiers that should remain on my file are : Please use the identifying info provided in the company section to locate my file. Only my correct legal identifiers should remain on my report. 
All other personal identifiers must be permanently deleted. 

I am demanding immediate deletion of all inaccurate items within 4 business days as required under FCRA identity theft provisions. Continued noncompliance will be treated as willful violations under FCRA 616617 and pursued for damages. 

have attached proof showing XXXX XXXX was previously DELETED from my credit report ( see screenshot ), yet it was unlawfully reinserted without notice. This is a direct violation of FCRA 611 ( a ) ( 5 ) ( B ). 
XXXX XXXX is also reporting only on XXXX bureau, which is inconsistent and inaccurate

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