Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Reinsertion of Deleted Account Without Notification - [ Account : XXXX XXXX XXXX XXXXXXXX # # XXXX ] Dear Experian, I am writing to address a concern regarding the reinsertion of an account on my credit report without proper notification, as per the Fair Credit Reporting Act ( FCRA ). 

The account in question, XXXX XXXX XXXX  XXXX ( # # XXXX ), was deleted and removed from my credit report in XX/XX/XXXX. However, I recently discovered that this account has been reinserted into my credit report without me receiving the mandatory reinsertion notification from Experian. 

According to the FCRA, codified in Title 15 of the United States Code starting at Section 1681, when a previously deleted account is reinserted into a consumer 's credit report, the credit reporting agency is required to provide a written notification to the consumer within five business days. I did not receive any such notification from Experian. 

Additionally, the lawsuit against Experian, filed by the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX, has raised concerns about the integrity and accuracy of consumer data handling practices. The CFPB alleges that Experian fails to properly investigate consumer disputes, often conducting what they term " sham investigations '' that do not adequately address the issues raised. This results in the inclusion of incorrect information on credit reports, which can negatively impact consumers ' access to credit, employment, and housing. The CFPB further claims that Experian improperly reinserts previously deleted information into consumer reports without proper notification or verification. 

The CFPB 's lawsuit highlights several key issues : Sham Investigations : Experian is accused of conducting inadequate investigations into consumer disputes, failing to properly review and address the issues raised. 

Failure to Remove Inaccurate Information : Experian allegedly fails to delete inaccurate, incomplete, or unverifiable information from consumer credit files. 

Improper Reinsertion of Information : Experian is accused of reinserting previously deleted information into consumer reports without proper notification or verification.

Failure to Notify Consumers : Experian allegedly does not provide adequate written notice to consumers about the results of its reinvestigations.

Reliance on Unreliable Furnishers : Experian is accused of relying excessively on furnishers to resolve disputes, even when there is evidence of the furnisher 's unreliability. 

In light of these allegations, I believe that I am a victim of the practices cited in the lawsuit and am therefore exercising my rights under the FCRA to dispute and request validation of this account. I am particularly concerned about the verification process you conducted to confirm the accuracy of the above-referenced account. 

I kindly request that you provide me with : Written evidence of the reinvestigation process that led to the reinsertion of the account. 

The reason and evidence for the reinsertion of the account. 

An immediate re-removal of the account from my credit report if it was reinserted without proper verification. 

Please treat this matter with urgency, and provide a written response within 30 days from the receipt of this letter. If the issue is not resolved promptly, I may consider taking further action as provided by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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