Consumer complaint received 2025-03-25 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: GA

Complaint narrative:
Dear CFPB, I am filing this formal complaint against The Bureaus regarding their unlawful re-reporting of a previously disputed and removed collection account on my credit report. The actions taken by The Bureaus violate the Fair Credit Reporting Act ( FCRA ) and have caused significant financial and emotional distress. Below are the details of my complaint : Background of the Issue In XX/XX/XXXX, I disputed an illegitimate debt with XXXX XXXX Credit Card, the alleged original creditor. The dispute resulted in the removal of the account from my credit profile. In XX/XX/XXXX and XX/XX/XXXX, I successfully disputed and removed a collection account reported by The Bureaus regarding this same debt. However, on XX/XX/XXXX, The Bureaus illegally re-reported the same debt under a different account number, despite the previous removals. The account numbers reported by The Bureaus changed from XXXX in XX/XX/XXXX to XXXX in XX/XX/XXXX, demonstrating an attempt to misrepresent the debt as a new obligation. 



Violation of the Fair Credit Reporting Act ( FCRA ) The Bureaus re-reporting of a previously removed debt violates Section 605B of the FCRA, which protects identity theft victims from continued reporting of fraudulent accounts. I am a documented victim of identity theft, and I have notified both The Bureaus and the credit reporting agencies multiple times. Despite this, the account has been reintroduced into my credit profile, causing further harm. Credit reporting agencies, including TransUnion, Equifax, and Experian, have a legal duty to ensure the accuracy and legitimacy of reported debts. Their continued acceptance of this inaccurate reporting is a failure to uphold consumer protection laws. 


Pattern of Unlawful Conduct This is not an isolated incident. I have been subjected to repeated re-reporting of illegitimate debts by collection agencies, including XXXX XXXX, which was removed only after four dispute attempts. Despite my numerous complaints and supporting evidence, credit reporting agencies and collection companies continue to violate the FCRA by refurnishing deleted information. 


Supporting Documentation o A copy of the deleted collections by The Bureaus from XX/XX/XXXX. 
o A copy of the re-reported collections by The Bureaus from XX/XX/XXXX. 
o Documentation proving the sale/transfer of the disputed debt from XXXX XXXX to The Bureaus. 
o A copy of my credit report highlighting the fraudulent re-reporting. 
o A police report confirming my status as a victim of identity theft. 
o A prior complaint filed with the CFPB regarding the original dispute with XXXX XXXX. 
o A formal request under Section 605B of the FCRA to permanently block this fraudulent information from my credit report. 



I appreciate your prompt attention to this serious matter. Please confirm receipt of my complaint and provide updates on the steps taken to address this issue.

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