Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To : Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Demand Illegal Reinsertion of DeleteXXXX XXXX Accounts in Violation of FCRA 1681i ( a ) ( 5 ) ( B ) Accounts in Violation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To the Dispute Departments of Equifax and Experian, This is a formal legal notice and final demand before escalation. You have both willfully violated the Fair Credit Reporting Act ( FCRA ) by unlawfully re-inserting previously deleted XXXX accounts into my credit file without complying with the legally mandated reinsertion protocol under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This conduct is not only deceptiveit is a direct act of negligence and a breach of consumer protection laws.

1. Illegal Reinsertion Without Notice FCRA 1681i ( a ) ( 5 ) ( B ) After the successful deletion of the XXXXXXXX XXXX accounts, Equifax and Experian reinserted XXXX into my credit report without providing : Notice of reinsertion within XXXX business days A written statement confirming the reinsertion Contact information for XXXX XXXX as the furnisher Notification of my right to file an updated dispute None of these were provided, in clear violation of federal law. 

2. No Verifiable Certification of Accuracy You also failed to obtain and disclose a valid certification of accuracy from XXXX XXXX before reinserting the accounts, as required under FCRA 1681i ( a ) ( 5 ) ( B ) ( i ). Reinsertion without such documentation is strictly prohibited and exposes your agenciesand the furnisherto federal litigation. 

3. Ongoing Inaccurate Reporting All XXXX accounts listed above continue to report incomplete and inconsistent balances, and no recent activity or supporting documents validate that XXXX still retains legal ownership of these accounts. Under FCRA and IRS debt cancellation rules : A 1099-C cancellation of debt should have been issued if the debt was charged off and forgiven. 
If transferred to a trust or securitized, the debt is no longer held by XXXX, and they lack standing to report it. 

I hereby demand copies of all trust documentation and internal ledgers showing whether XXXX still owns these debts or if they were sold, securitized, or otherwise extinguished. 

4. Estimated Statutory Damages : $ XXXX Under FCRA 1681n ( a ), I am entitled to {$1000.00} per violation, per month. These accounts have been inaccurately reported for XXXX months : XXXX XXXX accounts XXXX  months = {$250000.00} XXXX account XXXX  months = {$84000.00} XXXX account XXXX months = {$84000.00} XXXX : {$420000.00} in statutory damages, not including actual and punitive damages. 

5. Immediate Cure Required To resolve this without further action, you must : 1. Permanently remove all reinserted and disputed accounts from my credit reports. 
2. Disclose the certification of accuracy and all documents submitted by XXXX XXXX. 
3. Provide ledger/accounting records and securitization records proving XXXX  continued ownership. 
4. Issue a written confirmation of removals within XXXX business days.

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