Consumer complaint received 2025-06-07 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: NJ

Complaint narrative:
PLEASE READ MY ENTIRE STATEMENT CAREFULLY. I am beyond frustrated and tired of this. Experian reinserted the fraudulent XXXX XXXX ( XXXX... ) account into my credit file after it was already deleted in response to my valid dispute. I personally pulled my Experian report in XX/XX/XXXX it was GONE. Rightfully deleted. I felt relieved, like maybe someone finally did their job. Then suddenly in XXXX, the account came back. No explanation. No notice. No warning. Nothing. How is this legal? Experian NEVER gave me any reason why they put it back. Are they playing games with my credit file? This isnt a joke. I didnt ask for a temporary soft delete. I am demanding a HARD DELETE permanent and final. I am not playing around here. Experian violated 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which clearly states that if a deleted item is reinserted, they MUST notify me within XXXX business days and only after the furnisher certifies its accuracy. None of that happened. No notice. No certification. No documentation. Just silence. Did a human being actually review my dispute/file or are they just using E-OSCAR, the automated dispute-handling system that was already called out by the CFPB and legal experts for enabling sham investigations? Are they letting AI run my credit file and then hiding behind scripted responses to avoid accountability? Because nothing about this reinvestigation feels real. No one reviewed documents. No one explained anything. No one verified anything. 

I already submitted an FTC Identity Theft Report, which under 15 U.S.C. 1681c-2 requires this account to be BLOCKED from reporting. Instead, they chose to bring it back and violate the law again. Experian also violated 15 U.S.C. 1681b by reporting this account without a permissible purpose. They had no right to reinsert anything, especially after I proved it was the result of identity theft. Under 15 U.S.C. 1681e ( b ), they are required to ensure maximum possible accuracy not reinsert previously deleted data with no verification. This isnt just negligent its willful noncompliance. Under 15 U.S.C. 1681e ( b ), they must ensure maximum possible accuracy. 

This is not a one-off. The CFPB have ongoing lawsuit against Experian in XX/XX/XXXX for the exact same misconduct reinserting deleted data without following reinvestigation procedures. The CFPB called Experians process a sham investigation and exposed how they failed to notify consumers about reinsertions. In fact, this issue has already led to lawsuits like * XXXX XXXX XXXX XXXX ( XXXX ) and * XXXXXXXX XXXX XXXX * ( XXXX ), where courts ruled that credit bureaus can not blindly rely on furnishers or recycle deleted items without proper review. XXXX  was sued for the exact same thing reinserting deleted accounts and calling it verified without actual review. The law is clear, the case history is clear, and my rights are just as clear. Experian ignored it, and now theyre liable under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance. 

This is not just carelessness this is abuse. I am demanding that Experian PERMANENTLY DELETE the XXXX XXXX account from my report. No more recycling. No more hidden removals. No more fake compliance. I want this account gone for good, and I want the CFPB to hold Experian accountable for these repeated, willful violations of federal law. Ive had enough.

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