Consumer complaint received 2025-02-04 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Method of Verification, Right to Privacy, and Immediate Deletion of Reinserted Charge-Off Account To Whom It May Concern, I am writing to formally request the method of verification for a charge-off account that has been reinserted into my credit report with an altered status. This reinsertion may violate the Fair Credit Reporting Act ( FCRA ) if proper procedures were not followed, including my right to privacy under 15 U.S.C. 1681b, which limits the permissible purposes for accessing and reporting consumer information. 
The account in question is as follows : Creditor Name XXXX XXXX XXXX XXXX Account Number ( or last four digits ) : XXXX Date of Reinsertion : XX/XX/scrub>XXXX  Violation of FCRA and Right to Privacy As per the FCRA, specifically Section 611 ( a ) ( 5 ) ( B ), any information that has been previously deleted from a credit report and subsequently reinserted must be reverified for accuracy, and the consumer must be notified in writing within five business days. Furthermore, under 15 U.S.C. 1681b, consumer information can only be accessed, reported, or disclosed for permissible purposes. If this account has been reported or reinserted without proper verification or a permissible purpose, it constitutes a violation of my privacy rights. 
To address this matter, I demand that Experian : XXXX. Provide the method of verification used to reinsert the account, including : The name of the person or business that verified the account information. 
The method used to verify the accuracy of the account details. 
All supporting documentation submitted by the creditor to validate the accounts accuracy. 

XXXX. Confirm that the reinsertion of this account complies with 15 U.S.C. 1681b and provide documentation proving that the reporting was conducted for a permissible purpose. 
XXXX. If proper verification and permissible purpose can not be established, immediately and permanently delete the account from my credit report.

Action Required This inaccurate and potentially unlawful reporting is causing harm to my credit profile and infringing on my federally protected rights. Failure to address this issue promptly will result in the following actions : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 
Pursuing legal remedies under the FCRA for damages caused by this violation. 
Please provide the requested information or confirm the permanent deletion of this account in writing within 30 days of receipt of this letter. Failure to respond within this timeframe will be considered a breach of your obligations under federal law. 
Thank you for your immediate attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX 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