Consumer complaint received 2025-04-16 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin, XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, D.C. XXXX Subject : Formal Complaint Regarding Inconsistent Credit Reporting and Reappearance of Deleted Accounts To Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning violations of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, by the major credit reporting agenciesExperian, XXXX XXXX XXXX 

Despite initiating formal disputes and receiving confirmation that certain derogatory items were deleted by XXXX credit reporting agency, the same items continue to be reported and verified by the other agencies. This creates inconsistent and inaccurate credit files across the XXXX major bureaus, which constitutes a direct violation of FCRA mandates concerning the accuracy and completeness of consumer credit reports. 

Furthermore, I recently experienced a troubling event where XXXX of my previously deleted accounts was inexplicably reinstated on my credit report. This type of reporting is not only confusing but misleading and harmful to my creditworthiness. It raises concerns of procedural deficiencies and/or negligence by the credit reporting agencies and the data furnishers involved. 

Under the FCRA, I am entitled to : An accurate credit report that is free from outdated, unverifiable, or incorrect information ( 15 U.S.C. 1681e ( b ) ).

A timely and reasonable investigation of any disputed information ( 15 U.S.C. 1681i ). 
The removal of disputed items that can not be verified within the XXXX investigation period ( 15 U.S.C. 1681i ( a ) ( 5 ) ). 

The repeated reappearance of deleted items is also a violation of the Federal Trade Commissions guidance that reinsertion of previously deleted data must comply with stringent requirements under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which mandates that a data furnisher must certify the accuracy of the information before reinsertion, and the consumer must be notified within XXXX business days of such reinsertion. I have not received any such notice. 

Several court rulings support my position : XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) Held that a credit bureaus reinvestigation must be more than a mere parroting of information provided by creditors. 
XXXX. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) Found that a reinvestigation lacking reasonable procedures violates the FCRA. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Confirmed that the reappearance of deleted information without proper certification and notice is unlawful under FCRA. 

I have made good faith efforts to resolve this issue with the credit bureaus directly, but the continued recurrence of these inaccuracies demonstrates a failure on their part to comply with their obligations under federal law. 

I am requesting that the CFPB investigate this matter and hold the responsible credit reporting agencies accountable. I would like assurance that : All inaccurate and unverifiable information is permanently removed from all my credit reports ; No deleted item will be reinserted without strict adherence to the reinsertion requirements under the FCRA ; Appropriate penalties or enforcement action be considered where noncompliance or willful negligence is found. 

Please find enclosed supporting documentation, including prior dispute letters, responses from the credit bureaus, and screenshots of the inconsistencies across my reports. 

Thank you for your attention to this matter. I look forward to a prompt and just resolution. 

Sincerely, 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