Consumer complaint received 2025-07-08 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: NY

Complaint narrative:
Re : Formal FCRA Complaint Reposting of XXXX XXXX  Account Without Verified Records Account in Question : XXXX XXXX XXXX Loan No. XXXX CFPB Reference : Complaint ID # XXXX To Whom It May Concern, This is a formal complaint under the Fair Credit Reporting Act ( FCRA ) regarding the re-reporting and status manipulation of a mortgage account formerly held by XXXX XXXX XXXX XXXX XXXX XXXX. This account was previously closed, removed, and then repeatedly reopened and reported with changing dates and no valid evidence, all without verified documentation. These actions represent multiple, compounding violations of the FCRA. 

FCRA Violations by Experian XXXX. FCRA XXXX ( a ) Failure to Conduct a Reasonable Reinvestigation On XX/XX/XXXX, I submitted a dispute requesting removal of this tradeline due to it being closed and showing a XXXX balance. Supporting documentation included : Police report for identity theft ( XXXX XXXX Case # XXXX ) ; IRS Forms XXXX and XXXX ; XXXX, XXXX, and XXXX filings ; Prior statements showing the balance was discharged or satisfied. 

Despite this, Experian continues to reinsert and update this account without providing any verified evidence from the furnisher ( XXXX ). 

XXXX. Pattern of Irregular, Inaccurate, and Inconsistent Reporting The account has been manipulated on my credit file as follows : Closed on XX/XX/XXXX Closed again in XX/XX/XXXX Falsely reopened in XX/XX/XXXX, without any new agreement or legal documentation Closed once more in XX/XX/XXXX Reopened again in XX/XX/XXXX These fluctuations are unexplained and unsupported by documentary evidence, and they demonstrate a clear failure by Experian to ensure accuracy and integrity in its reporting as required under FCRA XXXX ( b ). This is not only a procedural failure it is an active misrepresentation of my creditworthiness. 

XXXX. FCRA XXXX Willful Noncompliance Experian 's actions constitute willful noncompliance for the following reasons : Re-reporting a previously removed tradeline without notice or consumer consent ; Refusing to provide verification records when formally requested ; Ignoring identity theft affidavits and multiple formal disputes ; Allowing account status to toggle arbitrarily, harming my credit report and reputation. 

Demand for Remedy In light of these violations, I hereby demand : Immediate removal of the XXXX XXXXXXXX mortgage account from my Experian file. 

Written confirmation that this account will not be re-reported or reopened without court order or verified documentation. 

{$1000.00} in statutory damages pursuant to FCRA XXXX ( a ) ( XXXX ) ( A ) for willful violation of : XXXX ( a ) : Failure to conduct a reasonable reinvestigation ; XXXX : Failure to block identity theft tradeline ; XXXX ( b ) : Failure to maintain accurate information. 

Supporting Documentation Enclosed : CFPB Complaint # XXXX Identity Theft Police Report XXXX XXXX XXXX # XXXX Notarized Identity Theft Affidavit MERS Report showing inactive MIN IRS Form XXXX from XXXX ( showing no active debt ) Account timeline with proof of inconsistent status dates UCC filings and discharge notices

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