Consumer complaint received 2025-11-21 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: IL

Complaint narrative:
Subject : Formal Complaint Against Experian for Violations of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am submitting this complaint regarding Experian Information Solutions , Inc., which has repeatedly violated multiple provisions of the Fair Credit Reporting Act ( FCRA ) in connection with a trade line belonging to a ( XXXX account ). These violations concern improper reinsertion of a previously deleted account, failure to provide notice of reinsertion, failure to conduct a lawful reinvestigation, and re-aging of the account. 



XXXX. Unlawful Reinsertion Without Required Notice The Apple account in question was deleted from the Experian credit report in XX/XX/year>. 
However, in XX/XX/year>, Experian reinserted the account without providing the required XXXX written reinsertion notice. 

This violates : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) A consumer reporting agency must notify the consumer in writing within XXXX business days of reinserting an item previously deleted. 

No notice was ever received. This alone constitutes a clear statutory violation. 



XXXX. Failure to Conduct a Reasonable Reinvestigation Since reinsertion, multiple disputes have been submitted to Experian, yet Experian continues to respond that the account is verified as accurate and updated, despite : No method of verification ever being provided No evidence that a reinvestigation was actually conducted The account containing multiple inaccuracies This violates : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Duty to conduct a reasonable reinvestigation 15 U.S.C. 1681e ( b ) Duty to maintain maximum possible accuracy Experian is simply re-verifying the account without any legitimate investigation. 



XXXX. Illegal Re-Aging of the Debt Experian is reporting new and incorrect dates that do not match the original date of first delinquency, making the account appear newer than it is.

This violates : 15 U.S.C. 1681s-2 ( a ) ( 5 ) Furnishers must report the correct date of delinquency, and Experian must not accept or report an incorrect date Re-aging is explicitly prohibited by the FCRA and federal commentary XXXX. Improper Monthly Collection Reporting Experian continues to report the account as a collection account every month, even though : The debt is old The delinquency date is fixed under federal law Reporting new collection activity each month is misleading and inaccurate This further violates : 15 U.S.C. 1681e ( b ) Maximum possible accuracy 15 U.S.C. 1681s-2 ( b ) Duty of furnishers to correct inaccurate information Monthly fresh collection reporting on a stale account is a clear form of account manipulation. 



Requested Action by the CFPB I respectfully request that The CFPB : XXXX. Investigate Experians repeated FCRA violations, including unlawful reinsertion, failure to provide notice, and improper handling of disputes. 
XXXX. Require Experian to : Provide proof of reinsertion procedures Provide the method of verification used in the disputes Correct or delete the re-aged and inaccurately reported account XXXX. Hold Experian accountable for violating federal consumer protection laws. 



Conclusion Experian has demonstrated a pattern of ignoring FCRA compliance requirements and continues to report inaccurate, misleading information that harms consumers. These actions are unlawful and require regulatory intervention. 

Thank you for your attention to this matter. I request that this complaint be formally investigated.

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