Consumer complaint received 2025-07-21 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX SSN : * * * - * * XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX Subject : Formal Dispute and Permanent Deletion Request of Previously Removed Accounts To Whom It May Concern, This letter serves as a formal dispute and demand for immediate and permanent deletion of the following accounts that have already been previously removed from my credit reports. These accounts are now reappearing under slightly altered names or variations in spelling, a deceptive practice clearly intended to circumvent the dispute process and evade detection. Furthermore, I explicitly request and demand that this dispute not be processed through the e-OSCAR system or any other automated platform. I require a full manual investigation conducted by a trained human agent with access to the original source documentation. Automated dispute handling is inadequate for the complexity and seriousness of this matter.

These actions violate several provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to : - * * 15 U.S.C. 1681e ( b ) * * Failure to maintain maximum possible accuracy- * * 15 U.S.C. 1681i * * Failure to conduct reasonable reinvestigations- * * 15 U.S.C. 1681s-2 ( b ) * * Furnisher obligations after receiving notice of dispute - * * 15 U.S.C. 1681c ( a ) ( 4 ) * * Inclusion of outdated or obsolete information- * * Metro 2 Compliance Guidelines * * Violations concerning re-aging, duplicate tradelines, and inconsistent creditor reporting It is clear that these furnishers are attempting to bypass the previous deletion orders by altering the creditor name formats. This is deceptive, obstructs my right to fair credit reporting, and is a violation of federal law. 
I am requesting the * * immediate removal and permanent blocking * * of the following accounts from my credit file to prevent any future reappearance : -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Appears under the following variations : - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Numbers and Balances : - Account # XXXX Balance : {$93.00} - Account # XXXX Balance : {$7900.00} - Account # XXXX Balance : {$32000.00} -- - * * XXXX * * Appears under the following variations : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Associated Account : - Account # XXXX * * Balance : {$4500.00} -- - * * XXXX XXXX XXXX * * Appears under the following variations : - XXXX - XXXX XXXX XXXX XXXX  Associated Account : - Account # XXXX * * Balance : {$11000.00} -- - The reintroduction of these accountsafter they have been previously deletedunder new naming schemes is an intentional act to mislead automated dispute tracking systems. These tactics demonstrate a willful pattern of negligent and unlawful behavior that undermines the integrity of the dispute process and violates my rights under federal law. 

Please confirm receipt of this dispute and provide results of your reinvestigation within the 30-day timeframe allowed by law. 

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