Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to formally dispute a collection entry on my Experian credit report that appears to have been improperly reinserted after a prior deletion. The account in question is reported by XXXX XXXX XXXX for an alleged debt of {$140.00}. This debt is the same obligation that was previously reported by XXXX XXXX  and was deleted from my Experian report following a dispute on or about 2025. The re-reporting of this deleted debt under a new collection agency violates my rights under the Fair Credit Reporting Act ( FCRA ) and standard credit reporting protocols. I request that you remove this XXXX XXXX XXXX collection from my credit file permanently for the following reasons : Unlawful Reinsertion of Previously Deleted Information : Under FCRA 611 ( a ) ( 5 ) ( A ) - ( B ), if an item is deleted because it was inaccurate or unverifiable, the information may not be reinserted into my file unless the furnisher certifies its completeness and accuracy to Experian protectingconsumerrights.com. Even then, Experian must notify me in writing within XXXX business days of reinserting the information protectingconsumerrights.com. In this case, I received no reinsertion notice. The lack of notice indicates Experian did not follow the required procedure. This collection should never have reappeared without strict verification. Experian is also obligated to maintain reasonable procedures to prevent reappearance of deleted items protectingconsumerrights.com, which appears to have failed here. 
Same Debt Reported Twice ( Duplicate Account ) : This XXXX XXXX XXXX entry represents the same debt that was previously removed. Reporting the same debt anew under a different collection agency is essentially creating a duplicate record. The FCRA requires accurate reporting ; a single debt should only appear once on a credit report clantonlawoffice.com. Once XXXXXXXX XXXX record was deleted, it was not permissible for a new company to report the exact same obligation without proper basis. Rebranding the account under a new name does not change the fact its the same account that was disputed and deleted protectingconsumerrights.com. Therefore, the presence of this entry is inaccurate and misleading. I have enclosed the prior Experian dispute results letter dated [ XXXX XXXX, XXXX ] showing deletion of the XXXX XXXX trade line, to substantiate my claim. 
Possible Illegal Re-Aging of Debt : The XXXX XXXX XXXX account is reporting as a new collection, which raises concern that the debts dates have been misreported ( re-aged ). By law, a collection account can not be re-aged to look newer than it is clantonlawoffice.com. FCRA 623 ( a ) ( 5 ) mandates that a debt collector must report the original date of first delinquency ( DOFD ) the date I originally defaulted on the debt which determines how long the item can stay on my report solosuit.com. No matter how many times the debt is transferred or sold, the DOFD can not be changed or extended solosuit.com. If XXXX XXXX XXXX is reporting a later start date or failing to report the true DOFD, they are engaging in re-aging, a practice that violates the FCRA and Metro2 reporting standards. This debt should not appear as a new 2025 account if, for example, the original default was years earlier. Please verify the exact DOFD on file for this account. If it does not match the original delinquency date from the initial creditor, or if Experian can not verify the correct DOFD, the account must be deleted immediately for being inaccurate. ( If the debt is past the XXXX reporting period measured from the real DOFD, it is obsolete and must be removed per FCRA 605 as well. ) No New Verification Provided : The fact that XXXX XXXX  previously failed to verify or substantiate this debt ( leading to its deletion ) suggests that the debt remained unverified. To re-report it, XXXX XXXX XXXX should have competent evidence that the information is accurate. I dispute the accuracy and verification of this debt in its entirety. Unless Experian has received a certified verification from the furnisher ( which would be required for reinsertion ), the continued reporting of this collection is unlawful. I am formally requesting the method of verification that Experian relied upon to add this item back to my report, including the name and contact info of whoever verified it, as I am entitled to under FCRA 611 ( a ) ( 7 ). If no proper verification was obtained, the account must be deleted. 
Given these points, I ask that Experian delete the XXXX XXXX XXXX collection entry permanently and block it from reappearing. Please send me an updated credit report reflecting the removal. If Experian believes it has already complied with FCRA reinsertion requirements, kindly provide me with : ( XXXX ) a copy of the certification of accuracy received from XXXX XXXX XXXX, and ( XXXX ) the reinsertion notice that was supposedly sent to me ( with date sent ). Otherwise, please consider this dispute as notice that the reinsertion was not done in accordance with the law. In addition, please note that this debt is disputed. Under FCRA 623 ( a ) ( XXXX ), XXXX XXXX XXXX must mark it as disputed in any future reports. Experian should likewise flag it as disputed by consumer during your reinvestigation

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