Consumer complaint received 2024-08-22 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:
In XXXX disputed the following account XXXX with {$330.00} balance as fraudulent and provided an ftc theft affidavit and police report You deleted this in XXXX. You have now reinserted it by allowing XXXX To issue a new account number of XXXX and the same {$330.00} balance. This is illegal practice. Theyve simple changed the account number and you failed to do any due diligence to verify this debt because you would have discovered it was the same account opened fraudulently that you removed in accordance to FCRA 605b. You verified this on XX/XX/year> and said it was verified but clearly you didnt verify this debt because you would have saw that it was the same Balance as the last account they reported to you with a different account number. Coincidence? This is negligent practice and violates several laws especially 15 USC 1681eb for maximum accuracy. The next step is arbitration after this last attempt to have this removed and no longer reinserted by the deceptive practice of changing the account number. Since we know this is not mine they cant process any documents showing me tied to this account by the made up account number and this is willful non compliance. 
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 consumer 's 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 XXXX 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 ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

Sincerely, XXXX XXXX XXXX. arbitration will be the next step I have added the pictures of the previous southwest dispute showing the account number and balance and it being deleted on the credit report XXXX in XX/XX/year>. You reinserted it and I disputed it and you verified it and I have attached those pictures also to show the violation and willful aiding in identity theft, and willful participation in the deception in the collection companies changing the account number to reinsert. I will XXXX them also.

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