Consumer complaint received 2025-04-18 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: PA

Complaint narrative:
Subject : FCRA Violation Notice Unauthorized Reinsertion of Previously Deleted Information Dear Experian Team, I am writing to follow up on a previously submitted formal dispute concerning the fraudulent XXXX XXXX account ( # XXXX ), which was correctly removed from my credit report on XX/XX/XXXX, following a valid identity theft investigation supported by FTC Report # XXXX and proper identification documentation. 

However, on XX/XX/XXXX, I received a notification stating that the account was updated. 

Upon reviewing my credit report from Experian Information Services LLC, I confirmed that the account was reinserted, now showing the following : Balance of {$6400.00} Status of charge-off Negative payment history from XXXX through XX/XX/XXXX Reporting continued through XX/XX/XXXX This action constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), other federal laws, and XXXX XXXX technical standards, based on the following grounds : Legal Violations Committed : XXXX. FCRA XXXX ( a ) ( XXXX ) ( B ) Reinsertion without written notice within XXXX business days and without certification from the furnisher. 
XXXX. FCRA XXXX Failure to permanently block identity theft-related information within XXXX business days. 
XXXX. FCRA XXXX ( a ) ( XXXX ) ( A ) Reporting information that the furnisher knew or should have known was inaccurate. 
XXXX. FCRA XXXX ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy. 
XXXX. FCRA XXXX ( a ) ( XXXX ) ( XXXX ) No signed contract provided to support the legitimacy of the account. 
XXXX. FCRA XXXX and XXXX Civil liability for willful and negligent noncompliance with federal obligations. 
XXXX. Truth in Lending Act ( TILA ) XXXX ( b ) Failure to correct billing errors within XXXX days in the context of open-end credit ( if applicable ). 
XXXX. XXXX XXXX XXXX. XXXX Unfair, deceptive, or abusive acts by reintroducing a previously deleted account without valid support, causing consumer harm. 
XXXX. Relevant Case Law : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Consumer reporting agencies are required to conduct reasonable, non-automated reinvestigations. 
Technical Errors Under XXXX XXXX Guidelines : XXXX. Manipulation of DOFD and XXXX Recent activity ( XX/XX/XXXX ) is reported on an account charged off since XX/XX/XXXX. 
XXXX. Continuous CO Reporting Beyond XXXX  Months Violates XXXX XXXX standards, unfairly damaging the consumers file. 
XXXX. Inconsistent Updates of Status and Activity The Status Updated field does not align with actual activity and balance reporting dates. 
I am formally requesting the following actions : XXXX. Immediate and permanent deletion of the XXXX XXXX account ( # XXXX ) from my credit report. 
XXXX. Certified copy of all documentation used to justify the reinsertion. 
XXXX. Written confirmation of the outcome of your reinvestigation. 
XXXX. Written assurance that this account will not be reported again in the future. 
Attached Evidence : Screenshot of the account status ( Potentially Negative with active CO as of XX/XX/XXXX ) FTC Identity Theft Report # XXXX Valid identification documents Legal Warning : If Experian fails to act within XXXX business days, I will proceed to : File formal complaints with the CFPB, FTC, and the Pennsylvania Attorney General, and Initiate civil action under XXXX XXXX XXXX for statutory damages of up to {$1000.00} per violation, plus any additional compensatory damages.

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