Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Third Formal Complaint Ongoing FCRA Violations and Continued Reinsertion of Deleted Account by Experian To Whom It May Concern, I am filing this third formal complaint against Experian Information Solutions , Inc., for the ongoing, deliberate, and unlawful reinsertion of a previously deleted account ( XXXX  ) into my consumer credit report.

Despite two prior complaints already submitted through this platform, Experian has : Failed to delete the reinserted account; Failed to provide mandatory notice of reinsertion ; Failed to respond with any justification, investigation, or resolution ; And continues to knowingly report derogatory, inaccurate, and previously deleted datacausing escalating financial and personal harm.

1. Account at Issue Creditor Name : XXXX Partial Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Original Deletion : XX/XX/year> ( confirmed in writing by Experian ) Date of Reinsertion : XX/XX/year> Balance : {$890.00} Status : Closed Charge-off 2. Ongoing and Willful FCRA Violations Experian has now demonstrated a pattern of noncompliance, violating multiple sections of the Fair Credit Reporting Act : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Reinsertion without obtaining a certification of accuracy from the furnisher.

15 U.S.C. 1681i ( a ) ( 5 ) ( C ) : Failure to notify me in writing within 5 business days of reinserting the deleted account.

15 U.S.C. 1681s-2 ( a ) ( 3 ) : Re-reporting inaccurate data previously disputed and removed.

15 U.S.C. 1681e ( b ) : Failure to use reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681n and 1681o : Willful and negligent noncompliance, entitling me to damages under federal law.

3. Severe and Ongoing Damages Because of Experians repeated failure to correct this unlawful reinsertion : My credit score has dropped, affecting loan terms and mortgage approvals.

I have been denied credit and subjected to higher interest rates.

I have spent months disputing this issue, making multiple complaints with no resolution.

I am experiencing serious emotional and psychological distress as a result of this mishandling.

I am currently in a state of XXXX because I am in the process of purchasing a home to provide a better life and stable environment for my family. However, due to this inaccurate and derogatory account that Experian continues to report, I have been unable to move forward. The uncertainty and damage caused by Experians negligence are affecting not just my finances, but my mental health and well-being.

This is unacceptable. No consumer should have to suffer this level of harm simply because a credit bureau refuses to follow the law.

4. Requested Relief At this point, I demand the following immediate actions from the CFPB : Permanent deletion of the XXXX account from my Experian file.

A written statement from Experian within 10 calendar days confirming the deletion and pledging not to reinsert it without full compliance with 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

A formal investigation into Experians reinsertion practices and overall FCRA compliance failures.

Compensation for the financial harm, emotional distress, and opportunity losses I have suffered.

If systemic abuse is found, I request regulatory enforcement action and public sanctions against Experian for its repeated violations.

5. Final Notice Before Escalation This is now my third formal attempt to resolve this issue. If the CFPB does not intervene and Experian does not take immediate corrective action, I will be left with no choice but to escalate the matter further through : Legal counsel and litigation under FCRA Sections 616 and 617 Media exposure to bring attention to Experians misconduct Involvement of elected officials and consumer advocacy groups

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