Consumer complaint received 2025-11-11 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: IL

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Dear Experian Compliance Department : I'm formally disputing the accuracy and completeness of the following item on my credit file maintained by your agency : Furnisher : XXXX  [ or XXXX  Account ( XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX ; phone XXXX ) ] Tradeline status reported : Charged-off from XX/XX/XXXX to XX/XX/XXXX ; balance fluctuating ; last payment date incorrectly shown as XX/XX/XXXX though your records also show XX/XX/XXXX payment ; account previously removed from the file in [ XXXX XXXX ] and reinserted without proper notice ; contact information possibly incorrect. 



This item is patently inaccurate and/or unverifiable, and your re-insertion of it ( after it was deleted ) appears to violate multiple provisions of the FCRA. As such, I request that you immediately delete or correct this item from my credit file. 



Below are the specific violations and factual bases : 1. Failure to provide required notice and certification for reinsertion ( 15 U.S.C. 1681i ( a ) ( 5 ) ) Under FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ), any item of information that was deleted from consumer 's file may not be reinserted unless the furnisher certifies that the information is complete and accurate, and the consumer reporting agency gives written notice of the reinsertion within five business days.

In this case : The account had been removed from my credit file ( and I have proof of the previous deletion ). 
It was subsequently reinserted without any written notice to the consumer within five business days.

You have not provided any documentation of the furnishers certification of accuracy.

You have not provided the name/address/telephone number of the furnisher as required.

Your failure to comply with these statutory requirements constitutes a direct violation of the FCRA.

2. Reasonable procedures requirement ( 15 U.S.C. 1681i ( a ) ( 5 ) ( C ) ) FCRA requires that a consumer reporting agency maintain reasonable procedures designed to prevent the reappearance in a consumers file of information that is deleted pursuant to this paragraph. Your re-insertion of this item without proper certification or notice demonstrates a failure of such reasonable procedures.

3. Duty to investigate and delete or modify unverifiable inaccurate information ( 15 U.S.C. 1681i ( a ) ( 1 ) ( 5 ) ) Once I disputed the item, you were obligated to conduct a reasonable reinvestigation, review all relevant information submitted, and delete or modify the item if found to be inaccurate or unverifiable.

Here, the item contains multiple inconsistencies : varying balances, incorrect last payment date, charged-off status spanning many months beyond when the account was allegedly removed, and questionable furnisher contact information. These facts raise serious doubts about the accuracy and verifiability of the tradeline.

Your verification apparently failed to provide underlying documentation, and thus the item should be removed.

4. Furnisher identity and accuracy I have the right to request the business name, address, telephone number, the date/time of any contact with the furnisher, the name of the individual contacted, and a description of the documents used to verify the accuracy of the item. FCRA 1681g ( a ) ( 3 ) and 1681i ( a ) ( 6 ) together support this right. You have not provided this required information.

5. Potential violations of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) If the furnisher or any subsequent debt collector is reporting this as a charged-off account and the balance is fluctuating without proper accounting, this could constitute an unfair or deceptive practice in violation of the FDCPA. While the primary duty here is under FCRA, you should note that my client reserves the right to pursue claims under the FDCPA against the furnisher or collector for inaccurate or misleading reporting. 



Demand for ACTION Immediately delete the XXXX tradeline from my credit file at Experian. 
Provide in writing, within 10 business days of your receipt of this letter : The full documentation relied upon for verification ( including date/time of contact with furnisher, name of individual contacted, telephone number, address, certification of accuracy ).

Confirmation of the date on which the item was deleted ( if you proceed with removal ) and when would my file be updated.

A statement confirming that this item will not reappear on my credit file without new certification and appropriate notice to the consumer.

If you do not

comply with these demands, I intends to pursue all available remedies under FCRA 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ), and under the FDCPA as applicable. Statutory damages, actual damages, attorneys fees, and costs may be pursued. Attached documents Screenshot showing prior deletion of account. Copy of credit report that shows re-insertion with varying balance and inaccurate payment date. Please treat this dispute as a formal notice under 15 U.S.C. 1681i and 1681g. I expect full compliance with the statute and verification requirements. Thank you for your prompt attention to this matter. 



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