Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this second formal complaint against Experian Information Solutions , Inc. ( Experian ) for its deliberate, repeated, and unlawful reinsertion of a previously deleted account into my consumer credit file, in flagrant violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ). Despite my prior complaint, Experian has failed to respond appropriately and continues to willfully disregard its legal obligations. 

XXXX. Account at Issue Field Detail Account Name XXXX Partial Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Deletion Date XX/XX/scrub>XXXX ( confirmed by Experian ) Date of Reinsertion XXXX ( as shown in Experian report ) Balance {$890.00} Status Closed Charge-off ( Derogatory ) 2. Background and Prior Complaint History On XXXX Experian deleted this account from my credit report following my formal dispute and confirmed the deletion in writing. 

In XXXX XXXX, I discovered that Experian unlawfully reinserted the exact same accountnow marked as a derogatory charge-off. 

This is not only a violation of the FCRA, but also a direct violation of my consumer rights, and a blatant disregard of my prior complaintwhich was never acknowledged nor resolved by Experian or this Bureau. 

To date, I have not received any of the mandatory notices or justifications required under the law for this reinsertion. 

3. Multiple and Repeated FCRA Violations by Experian A. 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Unlawful Reinsertion Without Certification Experian failed to obtain a certification of accuracy from the furnisher prior to reinserting the deleted information, as required by federal law.

B. 15 U.S.C. 1681i ( a ) ( 5 ) ( C ) Failure to Provide Written Notice Experian did not provide written notice within five ( 5 ) business days of reinserting the account, denying me my right to dispute or object to the reinsertion.

C. 15 U.S.C. 1681s-2 ( a ) ( 3 ) Furnishers Duty to Update and Correct Inaccuracies By accepting and re-reporting a previously disputed and unverified tradeline, Experian is facilitating the furnishers ongoing non-compliance. 

D. 15 U.S.C. 1681e ( b ) Failure to Assure Maximum Possible Accuracy Experian has once again failed to use reasonable procedures to ensure that my credit report is accurate, especially after previously confirming deletion. 

4. Harm and Damages Suffered ( Exacerbated by Experians Continued Misconduct ) My credit score has been severely impacted, jeopardizing my eligibility for a mortgage that would provide stable housing for my family. 

I have incurred financial losses, including higher interest rates and denied approvals. 

I have spent substantial time and energy disputing this account repeatedly with Experianwith no response or resolution. 

The emotional distress and ongoing harm caused by Experians negligence and defiance of federal law is escalating and unjustifiable.

5. Requested Relief and Enforcement Action Given this is my second complaint and Experian has now escalated its misconduct, I demand the following : Immediate and permanent deletion of the XXXX account from my Experian credit file. 

A written certification from Experian within 10 calendar days confirming the account has been removed and will not be reinserted without full compliance with 611 ( a ) ( 5 ) ( B ).

A formal investigation into Experians systemic FCRA violations, specifically regarding its reinsertion practices and failure to comply with 607 ( b ), 611, and 623.

An order requiring Experian to compensate me for documented financial harm, credit score damage, and opportunity losses resulting from these unlawful actions. 

Public enforcement action or fines if Experian is found to have engaged in a pattern of violating consumer rights under the FCRA. 

Conclusion Experians willful reinsertion of this deleted accountwithout notice, without verification, and without justificationdemonstrates a complete breakdown of compliance and consumer protection procedures. I am requesting that the CFPB take decisive action now that Experian has been formally warned and given the opportunity to correct this in the past. 

I expect a prompt confirmation of receipt of this complaint and to be informed of the Bureaus course of action in this matter. Thank you for your urgent attention and protection of my rights under federal law.

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