Consumer complaint received 2025-09-12 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: NY

Complaint narrative:
Consumer Name : XXXX XXXX XXXX DOB : XX/XX/XXXXXXXX  Address : XXXX XXXX XXXX, XXXX, NY XXXX Subject : Improper Reinsertion and Re-Aging of XXXX Collection Account Details of Complaint : I am filing a complaint regarding Experian and XXXXXXXX XXXX  regarding an account originally tied to XXXX This account had previously been deleted from my Experian credit file. However, on or about XX/XX/XXXX, it was reinserted into my report with the following details : Collection Agency : XXXX XXXX Original Creditor : XXXX Balance : {$630.00} Balance Updated : XX/XX/XXXXXXXX  This reinsertion violates the Fair Credit Reporting Act ( FCRA ) for several reasons : 1. Improper Reinsertion Without Notice Under FCRA 611 ( a ) ( 5 ) ( B ), a credit reporting agency can not reinsert a previously deleted account without certifying its accuracy and providing written notice to the consumer within 5 business days. I received no such notice.

2. Re-Aging of the Account The account was last associated with me years ago. The balance updated date of XX/XX/XXXXXXXX  is misleading, as it implies new activity on an old debt. If the date of first delinquency was altered to extend the 7-year reporting period, this constitutes unlawful re-aging. 
3. Statute of Limitations in New York Under New York law, the statute of limitations for collection is 3 years. Even if this debt were valid, it is time-barred. Continuing to report it as if it is current is misleading to lenders and violates both FCRA and state consumer protection laws. 

Requested Resolution : Immediate removal of this collection account from my credit file.

Written confirmation that the account will not be reinserted without full compliance with FCRA requirements. 
Investigation into why this account was improperly reinserted and re-aged. 
Any damages and penalties deemed appropriate by the CFPB for Experian and XXXX XXXX  noncompliance. 

Supporting Documentation : Screenshot ( s ) of my credit report before reinsertion ( showing the account was deleted ).

Screenshot of my Experian report as of XX/XX/XXXX, showing the account reinserted. 
Also, the Experian is still reporting these accounts even after they said they believe that theyre fraudulent but yet theyre still reporting so basically it was experience way of just telling me to XXXX XXXX  and it was an excuse for them not to give me the information I was requesting because if its fraudulent then why are they leaving comments saying oh its gon na still be reporting til such date. I want the information that I requested who they spoke to when they spoke to them and how they received that information to verify the following accounts and not that theyre just saying oh its being reported as fraud we cant do anything so if its being reported as fraud then why arent they removing them? Theyre just saying sorry theyre gon na continue to report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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