Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Formal Dispute of Reinserted Inaccurate XXXX  XXXX Account Violations of FCRA 611 ( a ) ( 5 ) ( B ) and Reporting Errors To Whom It May Concern, I am formally disputing the XXXX  XXXX account ( Account # XXXX ) due to multiple factual inaccuracies and severe violations of my rights under the Fair Credit Reporting Act ( FCRA ). This account has been removed from my credit reports multiple times but has been reinserted on at least three occasions without any prior written notice, in violation of FCRA Section 611 ( a ) ( 5 ) ( B ) [ 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ]. 

Additionally, the account contains several factual reporting errors across all three credit bureaus : 1. Inconsistent credit limits : XXXX  and Experian report a {$300.00} limit XXXX  reports {$0.00} limit, which is inaccurate 2. Inconsistent payment status : XXXX  and XXXX  : 90 days late Experian : 60 days late 3. Inconsistent account activity dates : XXXX  : Last active on XX/XX/XXXX XXXX  : Last active on XX/XX/XXXX Experian : XX/XX/XXXX XXXX. Balance reporting mismatch : Experian : {$470.00} XXXX  and XXXX  : {$490.00} XXXX. XXXX  falsely reports that the account was previously in dispute and now resolved by the data furnisher. 
However, this account was never properly verified, nor was any evidence of verification provided upon request. 

These discrepancies show that the data furnishers have failed to maintain accurate and consistent reporting in violation of FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which mandates that consumer reporting agencies follow reasonable procedures to ensure maximum possible accuracy.

Furthermore, repeated reinsertion without proper notice is a direct violation of FCRA 611 ( a ) ( 5 ) ( B ), which states that if a previously deleted item is reinserted, I must be notified in writing within 5 business days. I was never notified, and this has happened on multiple occasions.

Additional Observation Payment History Errors : The two-year payment history reported for this account contains major factual errors : XXXX  shows 11 consecutive months marked as 30/60-day late payments, which is inconsistent and highly questionable for a closed account.

Experian displays only OK payments, which conflicts with the 60-day late status shown above. 
XXXX  also shows only OK payments in the monthly grid, while reporting a 90-day late status in the account summary a direct contradiction. 
These inconsistencies across bureaus further demonstrate negligence in reporting standards and clear violations of FCRA 607 ( b ), requiring accuracy and consistency in all reported information.

Requested Resolution : I am demanding the permanent deletion of this XXXX  XXXX account from all three credit bureaus ( XXXX, XXXX, and Experian ) due to : Inaccurate and inconsistent reporting Failure to verify during disputes Multiple unauthorized reinsertions in violation of federal law Please remove this account immediately to comply with the FCRA.

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 non-monetary relief