Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
CFPB COMPLAINT LETTER I am submitting this complaint against XXXX XXXX XXXX, XXXX, XXXX, XXXX, and Experian Information Solutions XXXX Inc. for violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with consumer protections regarding credit reporting accuracy and reinsertion of previously deleted data. 

BACKGROUND : A charge-off account from XXXX XXXX was previously disputed by me. As a result of that dispute, XXXX  conducted an investigation in XXXX  and permanently removed the account from my credit report after determining it could not be verified. I have documentation of that deletion. 

However, XXXX  and Experian continue to report the same XXXX XXXX XXXX, even though : The account was disputed and never validated under the FCRA or FDCPA. 

There is no notation on my XXXX  or Experian credit reports stating that the account is disputed, as required by FCRA 623 ( a ) ( 3 ). 

The account continues to appear as a verified charge-off/write-off, creating misleading and inaccurate reporting. 

Recently, I received a letter directly from XXXX XXXX stating : We found your account is not reporting consistently with all credit bureaus. We have submitted a request to report your account consistently with all credit bureaus... 

This statement raises serious concern that XXXX XXXX is attempting to reinsert deleted information back onto my XXXX  credit file, which is currently under a security freeze and previously had the account permanently deleted. 

Under FCRA 611 ( a ) ( 5 ) ( B ) : Furnishers are not permitted to reinsert deleted information unless they certify accuracy, and The credit bureau ( XXXX  ) must notify me in writing within 5 business days of any reinsertion. 

To date, I have not received any such notice from XXXX, and I maintain that any attempt to reinsert previously removed, disputed, and unvalidated information is unlawful. 

This pattern of behavior including continuing to report unverifiable data and failing to mark the account as disputed appears to be a coordinated effort to punish me for exercising my consumer rights, which could rise to the level of willful noncompliance under the FCRA and harassment under the FDCPA. 

Requested Actions : XXXX. Immediately remove or suppress the disputed XXXX XXXX account from XXXX  and Experian credit reports. 


XXXX. Ensure that the account, if it remains, is at minimum flagged clearly as disputed by consumer. 


XXXX. Confirm that no reinsertion of deleted data occurs with Equifax, especially without full legal compliance and proper consumer notification under FCRA. 


XXXX. Investigate XXXX XXXX actions regarding their attempt to re-report a previously removed item and their misleading communications. 

XXXX. Provide a written resolution detailing steps taken to correct this issue and ensure future compliance. 

I have attached the following supporting documentation : XXXX XXXX XXXX stating they are correcting reporting consistency A copy of my XXXX  report showing the item was removed Proof that my XXXX  file is under a security freeze Screenshots of XXXX  and Experian showing no dispute notation Prior communications and/or dispute attempts Legal Notice : This complaint is submitted with full reservation of my legal rights and should not be interpreted as an admission of liability, ownership, or agreement to any alleged debt. I retain all rights under the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and other applicable laws, and am actively considering further legal remedies.

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