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: TX

Complaint narrative:
In XXXX, I disputed a fraudulent JPMCB account that I did not authorize or open. I submitted two police reports, a Federal Trade Commission ( FTC ) Identity Theft Report, and proof of the XXXX Equifax data breach where my personal information was compromised. After a proper investigation, the account was removed from my Equifax and Experian credit report. 

However, in XXXX and XX/XX/XXXX, Equifax and Experian reinserted this account without notifying me as required under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ), which mandates that if a previously deleted item is reinserted, I must be notified in writing within 5 business days. I received no such notice.

This account now appears as charged off with a {$6300.00} balance and is seriously damaging my credit. I believe this is a violation of FCRA and my rights as a consumer have been ignored. I have repeatedly provided evidence that this account is fraudulent.

I am requesting that the CFPB investigate Equifax and Experians repeated failure to comply with the law and demand that this inaccurate, fraudulent account be permanently removed from my credit file.

In addition, Identified Inaccuracies & Issues : Fraudulent Account : Youve already filed a consumer statement saying : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. 

That alone confirms you did not open or authorize this account, and therefore, it is identity theft. 

Reinsertion Without Notice ( Experian Violation ) : The status was updated as of XX/XX/XXXX, but the balance was updated in XX/XX/XXXX, over XXXX years later. 

Reinserting a previously closed/charged-off account without notifying you in writing within 5 business days is a direct violation of the FCRA ( 611 ( a ) ( 5 ) ( B ) ( ii ) ). 

Missing Original Creditor Information : The Original creditor and Company sold fields are blank. Thats a violation of consumer reporting standards because you are entitled to know the full chain of custody for any debt reported. 

Outdated & Inconsistent Reporting : The last payment was allegedly made XX/XX/XXXX, yet the account continued to report past-due statuses through XXXX, with no updated activity. 

The account is listed as closed but still updates as past due through XX/XX/XXXX, which makes no legal or factual sense if the charge-off happened in XXXX. 

No Monthly Payment Listed / Incomplete Info : The report shows no monthly payment amount, which is unusual for a credit card account and may signal a data integrity issue. 

Excessive Delinquency Reporting Possible Duplicate Violations : The account is showing 150+ days late for multiple months even after being charged off. Once a charge-off is applied, additional late statuses may not be legally accurate or compliant.

Incomplete Data in Payment History : ND ( No Data ) appears throughout multiple years which again means Experian is reporting incomplete or inconsistent data, a violation under FCRA 607 ( b ), which requires consumer data to be complete and accurate.

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