Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Im filing this complaint against Experian for unlawfully re-inserting a new accountXXXX XXXX XXXX XXXX my credit report without my knowledge, consent, or any proper notice. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). A few months ago, I disputed several accounts, and Experian deleted them after confirming they were inaccurate or unverifiable. I genuinely believed the issue was resolved. But now, without any warning or documentation, a new account from XXXX XXXX XXXX XXXX  has appeared on my report. 

Experian never notified me about this reinsertion, as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which mandates that a consumer be notified within five business days if any previously deleted information is reinserted. I received no such notice, and I was never given the opportunity to review or dispute the information prior to its addition. Even worse, Experian has not provided any proof that this account is accurate, authorized, or lawfully reportable. This violates : 15 U.S.C. 1681e ( b ) failure to maintain maximum possible accuracy, and 15 U.S.C. 1681b which strictly limits when and how a consumer report can be accessed or used. This XXXX XXXX XXXX XXXX account was reported without a permissible purpose, as I never gave written authorization, nor did I initiate any transaction with that company. 

Additionally, only Experian is reporting this accountnot XXXX  or XXXXmaking the reporting even more questionable. I have already submitted a formal dispute to Experian and included my FTC Identity Theft Report, a copy of this CFPB complaint, and all relevant supporting documentation. Despite this, Experian has failed to provide any validation or remove the account for good. 

Let me be very clear moving forward : I do not authorize any account to be reinserted into my credit file under any circumstances unless all legal requirements under the FCRA are strictly followed. I do not want ANY account reinserted again without proper notice, documented verification, and proof of permissible purpose. 

This isnt just a mistakeits part of a pattern. The CFPB currently has an active lawsuit against Experian for similar violations involving unlawful reinsertions and failure to notify consumers. I will not tolerate being treated the same way. Because of the repeated violations and damage to my credit file, I am now seeking punitive damages under 15 U.S.C. 1681n and 1681o for Experians willful and negligent noncompliance with federal law. 

Im asking the CFPB : order the permanent deletion of the XXXX XXXX XXXX XXXX account ; ensure no future reinsertion of any account without full FCRA compliance ; and investigate and hold Experian accountable for violating 1681i, 1681e ( b ), and 1681b. Ive done everything by the book, and now I need action. Please help me make sure Experian follows the law and this doesnt happen again.

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