Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I disputed fraudulent accounts on my credit report, specifically XXXX XXXX  ( XXXX ) and XXXX XXXX XXXX  accounts ( XXXX and XXXX ), as these were previously deleted accounts that had been improperly reinserted. Upon reviewing my updated credit report on XX/XX/XXXX, I confirmed that these disputed accounts had been successfully removed and were no longer appearing. However, on XX/XX/XXXX, I received a Credit Monitoring Notification from Experian stating : " XXXX of your accounts has been reported as over the credit limit. '' The account referenced was XXXX XXXX, which had already been deleted from my XX/XX/XXXX report. This notification confirms that the account was improperly reinserted once again without proper verification or notice, in direct violation of the Fair Credit Reporting Act. To verify this, I reviewed my current Experian credit report directly on their website and found that XXXX XXXX ( XXXX ) had indeed been reinserted without my knowledge or consent. Additionally, the XXXX XXXX XXXX  accounts ( XXXX and XXXX ) have also been reinserted. This repeated unauthorized reinsertion of accounts by Experian violates multiple consumer protection laws. Under 15 USC 1681i ( a ) ( 5 ) ( B ), a previously deleted account can not be reinserted unless the furnisher certifies its accuracy, and Experian provides written notice of the reinsertion within five business days, including details about the reinsertion and its source. I never received any such notice, which makes this action unlawful. Furthermore, under 15 USC 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure accurate reporting. By allowing the reappearance of previously disputed and deleted accounts without proper verification, Experian has failed to comply with this legal requirement. Additionally, under 12 USC 5536 ( a ) ( 1 ) ( B ), these actions qualify as unfair and deceptive practices that harm my financial standing by reporting inaccurate, previously disputed information. The improper reinsertion of these accounts has negatively impacted my credit score, limited my ability to obtain credit, and caused unnecessary financial distress. What makes this situation even more concerning is that only Experian has reinserted these accounts. As shown in the attached documents, XXXX and XXXX have not reported them, further proving that Experian has failed to conduct proper verification and ensure compliance with the FCRA. This inconsistency in reporting creates misleading and inaccurate credit information, which is unacceptable. This issue has been ongoing, and I do not intend to keep repeating the dispute process every time these accounts are reinserted. Given their history of deletion and repeated reinsertion, I demand their IMMEDIATE AND PERMANENT REMOVAL from my credit report to prevent further damage. Any future unauthorized reinsertion will result in additional legal action and formal complaints. I also request written confirmation that these fraudulent accounts have been permanently deleted and an explanation of the measures being taken to ensure compliance with FCRA standards moving forward.

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