Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to dispute the accuracy of information on my credit report, as provided for under 15 U.S. Code 1681i. 1681g 1681 ( a ) I am writing to dispute the reinsertion of a previously deleted inaccurate account on my credit report and demand that it be blocked and permanently removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

As per my rights under the FCRA, I previously disputed and successfully had the following account removed from my credit report : Account Number : XXXX Creditor Name : XXXX XXXX XXXX Date of Deletion : XX/XX/year> I was under the impression that the inaccurate account had been permanently removed from my credit report following a successful dispute. However, to my dismay, I recently discovered that this account has been reinserted onto my credit report, despite no changes in its accuracy or validity. 

Account Number : XXXX Creditor Name : XXXXXXXX XXXX  Date of Deletion : XX/XX/year> I was under the impression that the inaccurate account had been permanently removed from my credit report following a successful dispute. However, to my dismay, I recently discovered that this account has been reinserted onto my credit report, despite no changes in its accuracy or validity. 

Account Number : XXXX Creditor Name : XXXX XXXX Date of Deletion : XX/XX/year> I was under the impression that the inaccurate account had been permanently removed from my credit report following a successful dispute. However, to my dismay, I recently discovered that this account has been reinserted onto my credit report, despite no changes in its accuracy or validity. 

Account Number : XXXX Creditor Name : XXXXXXXX XXXX Date of Deletion : XX/XX/year> I was under the impression that the inaccurate account had been permanently removed from my credit report following a successful dispute. However, to my dismay, I recently discovered that this account has been reinserted onto my credit report, despite no changes in its accuracy or validity. 



The FCRA mandates that consumer reporting agencies follow reasonable procedures to ensure the accuracy of the information contained in consumer reports. It also stipulates that if a disputed item can not be verified, it must be deleted from the consumer 's credit report. 

Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Given the circumstances, I demand that you immediately block and permanently delete the forementioned account from my credit report. It is evident that the reinsertion of this inaccurate account violates the FCRA and my rights as a consumer. There was no letter sent notifying me the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion. 

Furthermore, I request that you provide me with written confirmation of the deletion of this account from my credit report and ensure that it does not reappear in any future reports. 



Sincerely,

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