Consumer complaint received 2025-03-28 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: AZ

Complaint narrative:
Subject : Formal Complaint for Violation of FCRA and Demand for Immediate Removal of Reinsertion Account Dear CFPB, I am filing a formal complaint against Experian for violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically the reinserted account listed below. This account was previously deleted from my credit report, and I am now demanding its immediate removal due to violations related to the reinsertion of the account without proper verification or notification. 
Account Information : Account Name : CANVAS CREDIT UNION Account Number : XXXX Original Report Date of Removal : XX/XX/year> Date of Reinsertion : XX/XX/year> Background : On XX/XX/year>, I disputed an account with Experian removed the account from my credit report on XX/XX/year>, confirming its deletion. I have attached proof of this deletion notice. 
However, I discovered on XX/XX/year>, that the same account was reinserted into my credit report. This reinsertion occurred without any proper certification or written notification of the accounts accuracy and completeness, as mandated by the Fair Credit Reporting Act ( FCRA ) under Section 611 ( a ) ( 5 ) ( B ).

FCRA Violations : Violation of Section 611 ( a ) ( 5 ) ( B ) - Reinsertion of Disputed Information This section prohibits the reinsertion of deleted items unless the information provider certifies that the information is accurate. Experian failed to provide such certification, which constitutes a violation of my rights.

Violation of Section 623 ( a ) ( 3 ) - Duty to Correct and Update Information The reinsertion of the account without correcting the underlying inaccuracies breaches this section, which requires that information furnishers update and correct inaccurate data.

Violation of Section 611 ( d ) - Notification of XXXX Experian failed to notify me in writing within XXXX business days of the reinsertion of the previously deleted item, violating my right to timely notification under this section of the FCRA. 
Violation of Section 607 ( b ) - Maximum Possible Accuracy The reinsertion of inaccurate information, as well as the lack of procedures to ensure maximum possible accuracy in consumer reports, is a violation of the FCRA. 
Harm Caused : The reinsertion of this inaccurate account has caused significant harm, including : Damage to my XXXX XXXX Increased stress and time spent addressing this issue Negative impact on my ability to secure a mortgage This issue has severely affected my ability to pursue homeownership for my family, and it remains unresolved due to the incorrect information on my credit report. 
Request for XXXX XXXX : I request the following actions be taken immediately by Experian and through your offices assistance : XXXX removal of the reinserted account from my credit report. 
Written confirmation that the account has been removed and will not be reinserted unless properly verified. 
A thorough investigation into Experian XXXX procedures surrounding the reinsertion of previously deleted accounts. 
XXXX that my rights under the FCRA will be respected and protected moving forward. 
Compensation for the damages I have suffered, including adverse effects on my XXXX XXXX and financial standing. 
Please acknowledge receipt of this complaint and confirm the actions you will take to address this issue. I trust that this matter will be resolved promptly and within the timeframe stipulated by 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 explanation