Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing again to formally dispute the actions of Experian Information Solutions , Inc. ( Experian ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in regard to the reinsertion of accounts and inquiries that were previously deleted after my valid disputes. These ongoing issues represent clear violations of the Fair Credit Reporting Act ( " FCRA '' ) and other related consumer protection laws. I have successfully proven multiple times that the disputed accounts and inquiries were invalid and have already been removed from my credit report as documented in the following : XXXX. Report XXXX XXXX ( Dispute resolution on XX/XX/XXXX. XXXX. Report XXXX XXXX ( Dispute resolution XX/XX/XXXX ). These disputes led to the removal of all items that were under question. However, despite these deletions, Experian has repeatedly reinserted these same accounts and inquiries into my credit report without providing adequate proof or validation to support their accuracy. I would like to emphasize the following points : Violation of FCRA Section 1681s-2 : Experian and the listed creditors have failed to provide proof of documentation that the accounts and inquiries are validated under 15 U.S.C. 1692 G, which mandates creditors to validate debts and provide full, detailed information upon request. Despite my repeated requests for documentation, no satisfactory proof has been provided. Failure to Provide Evidence : Neither Experian nor the listed creditors have provided a full, detailed list of payment history for these accounts, the original signed contracts, or any insurance claims related to these debts. Furthermore, they have not supplied a valid chain of title demonstrating their legal right to collect these debts. Reinsertion of Disputed Items : It is unlawful for Experian and the listed creditors to reinstate accounts that were previously deleted as a result of valid disputes, especially after I have demonstrated that the accounts are inaccurate, invalid, and unverifiable. FCRA Section 1681i prohibits the reinsertion of deleted information unless it is proven that the information is accurate, which has not been established in my case. Violation of Consumer Financial Protection Laws : I am referencing the action currently being pursued by the Consumer Financial Protection Bureau ( CFPB ), as detailed in Case Number XXXX. The CFPB has already filed a complaint against Experian, addressing similar issues of non-compliance with the FCRA, which further supports my case of negligence on the part of Experian and listed creditors. Damage to My Credit and Financial Well-being : The continuous reinsertions of disputed, inaccurate, and unlawful accounts are causing significant damage to my credit report and financial health. These actions are not only illegal but also cause me undue harm and stress. In light of the above, I formally demand that : XXXX. Experian immediately cease reinserting these disputed accounts and inquiries. XXXX. All listed creditors provide sufficient documentation in compliance with FCRA guidelines and other applicable laws, demonstrating the validity of these accounts and inquiries. XXXX. Appropriate remedies be taken to correct my credit report and prevent further damage. Additionally, please be advised that I am seeking legal action immediately if this matter is not resolved promptly. The behavior exhibited by Experian and the listed creditors is in direct violation of both the FCRA and the Consumer Financial Protection Act, and I am pursuing all available legal avenues to seek redress for the harm caused. I look forward to your prompt resolution of this ongoing issue and expect a written response within the legally required 30 day period outlined in the FCRA.

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