Consumer complaint received 2025-01-23 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX TO : XXXX Credit Bureau XXXX XXXX # XXXX this item was deleted from Experian 's credit reported XX/XX/XXXX My social security number is XXXX My date of birth XXXX This is a request as authorized by the XXXX. XXXX. XXXX in case of disputed accuracy [ XXXX XXXX. XXXX ] In my letter of ( XX/XX/XXXX ) I disputed the following account XXXX XXXX XXXX # XXXX ) In your letter of XXXX and your report # XXXX Please furnish me with the following ; ( XXXX ) A description of the procedure used to determine the accuracy and completeness of the information.

( 2 ) The business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with such information.

Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the XXXX  and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section XXXXXXXX XXXX XXXX XXXX XXXX  ) IF AN ACCOUNT THAT WAS DELETED HAS BEEN REINSERTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WITH THIS : In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions. 
Requirements relating to reinsertion of previously deleted material. 
Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 
Please furnish me with copies of any and all such certification. 
If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no such notification, this is a serious violation of the FCRA, and I reserve the right to pursue further action. 
Additional information. As part of, or in addition to, the notice under clause ( XXXX ), a consumer reporting agency shall provide to a consumer in writing not later than XXXX business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 
Please furnish me with the required statements and data ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph and a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Please furnish me with a full description of the procedures used to determine the accuracy of the information. 
( XXXX ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) by not later than 15 days after receiving a request from the consumer for that description. 
In accordance with the above requirements of the FCRA, please furnish me with all requested material within 15 days 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