Consumer complaint received 2025-08-10 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: LA

Complaint narrative:
Subject : IMMEDIATE DELETION REQUIRED : Unlawful Reinsertion of Account [ XXXX XXXX ] ( Account Number : XXXX Violation of FCRA Section 605 ( b ) ( 4 ) This letter concerns the unlawful reinsertion of the account for [ XXXX XXXX ] ( Account Number : [ XXXX ] ) on my credit report. This account was previously blocked/ deleted from my file on or about XX/XX/year> Was Originally Blocked/Deleted ] as a direct result of an identity theft dispute, pursuant to FCRA Section 605 ( b ). 
On [ XXXX Discovered Reinsertion, e.g., I discovered that this previously blocked/deleted account had been reinserted onto my credit report. 
Furthermore, your notification regarding this reinsertion, I was notified by email e.g., " via email dated XX/XX/year> or " was never provided prior to reinsertion '' ], constitutes a clear and egregious violation of FCRA Section 605 ( b ) ( 4 ). 
Specifically, your actions violate the following provisions of FCRA Section 605 ( b ) ( 4 ) : 1. Failure to Provide 5-Business-Day PRIOR Written Notice ( FCRA 605 ( b ) ( 4 ) ( A ) ( i ) ) : FCRA Section 605 ( b ) ( 4 ) ( A ) ( i ) explicitly mandates that if information previously blocked due to identity theft is to be reinserted, the consumer reporting agency must provide written notice not later than 5 business days prior to the reinsertion.You failed to provide this legally required prior notice. " My email notification dated [ XX/XX/year> ], sent on the same day the account reappeared on my report, does not fulfill the requirement of prior notice. '' ] 2. Failure to Provide Specific Justification ( FCRA 605 ( b ) ( 4 ) ( A ) ( ii ) ) : FCRA Section 605 ( b ) ( 4 ) ( A ) ( ii ) requires you to " clearly identify the information '' and " explain its basis for believing the consumer 's file was blocked due to material misrepresentation by the consumer or that the information was blocked in error. '' My reinsertion of this account was not accompanied by any specific, verifiable evidence or explanation demonstrating that the original identity theft claim was a material misrepresentation by me or that the blocking was in error. 
Furthermore, I reiterate that : Lack of Proper Furnisher Certification : The furnisher of this account, did not provide the necessary certification of accuracy to you prior to the reinsertion. furnisher contact, Evidence suggests the furnisher attempted to send documentation on Attempt ], which was * after * the account was already reinserted on my report, confirming the absence of prior certification. '' ] Incomplete/Inaccurate Data ( FCRA 611 & 1681e ( b ) ) : The reinserted account still contains inaccuracies, e.g., " ND ( No Data ) in the payment history, '' My general statement that 'the additional information indicated that either ... ' without providing specific details or attributing any misrepresentation to me, is a boilerplate that utterly fails to meet this legal requirement. '' ] Furthermore, which was * after * the account was already reinserted on my report, confirming " incorrect balance, '' " incorrect date opened '' ], which renders the information incomplete, inaccurate, and unverifiable. My reinsertion and any labeling as " updated '' without actual correction of these inaccuracies is deceptive and a continued violation. 
Obsolete Account ( FCRA 605 ( a ) ) : Its continued reporting, especially after being previously deleted, exceeds the standard reporting period for adverse items under FCRA Section 605 ( a ). '' ] The reinsertion of this account, especially given its prior deletion under FCRA 605 ( b ) and your subsequent failure to adhere to the strict reinsertion protocols, constitutes a willful and negligent violation of my rights under FCRA 1681n and 1681o. 
I demand the immediate and permanent deletion of the [ XXXX XXXX ] account ( Account Number : [ XXXX ] ) from my credit file. 
Please send me confirmation of your findings and the deletion of this account. 

I have submitted : My government issued ID Proof of Data Breach Proof of XXXX card being deleted/removed Proof of Utility bill Sincerely, XXXX XXXX

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