Consumer complaint received 2025-11-27 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: GA

Complaint narrative:
I am submitting this formal complaint regarding XXXX XXXX XXXX and the credit bureau ( Experian ) for multiple, serious violations of the Fair Credit Reporting Act ( FCRA ) involving a collection account allegedly tied to XXXX  XXXX XXXX. This account is reporting under account number XXXX. 
This account was previously disputed and removed from my credit file on XX/XX/year>, yet it has now been reinserted on my report without the legally required reinsertion notice, and with multiple inaccuracies that prove this debt is either fraudulent, unverifiable, or intentionally misreported. 
FCRA Violations Involved ( Detailed ) 1. Illegal Reinsertion No Written Notice ( FCRA 611 ( a ) ( 5 ) ( B ) ) This account was deleted on XX/XX/year> following my dispute. 
It was reinserted shortly after, without the required written notice within five ( 5 ) business days, which is illegal under FCRA 611 ( a ) ( 5 ) ( B ).

I received no mail notice, no email notice, no digital message, and no notification from the bureau regarding reinsertion. 
This alone requires IMMEDIATE removal. 
2. Impossible and Fraudulent Date Opened The account shows : Date opened : XX/XX/year> However, the payment history and collection status show : Collection reporting starting XX/XX/year>XXXX  Status updated XX/XX/year>XXXX  ( before the account was even open ) It is chronologically impossible for : An account to be updated before it exists Collections to occur within days of an account opening Months of delinquencies to be reported before any billing cycle even passed This violates : FCRA 602 FCRA 607 ( b ) ( reporting must be accurate and verifiable ) FCRA 623 ( a ) ( 1 ) ( prohibits reporting information known to be inaccurate ) 3. Collections Reporting False Payment History The payment history shows multiple months of C ( collection status ), which is factually inaccurate, and impossible based on the alleged timeline. 
Collections can not report prior late payments or backdated derogatories. 
This is deceptive and violates : FCRA 607 ( b ) FCRA 623 ( a ) ( 1 ) ( A ) 4. No Proof This Account Belongs to Me There is : No contract No service agreement No final billing statement No validation of name/address/date of service This account has never been validated, making it unverifiable under : FCRA 611 ( a ) FDCPA 809 ( b ) ( debt validation ) 5. Updating the Balance With No Payment Activity This collection agency updated the balance on XX/XX/year> despite showing : No recent payments No activity No verified charges False balance activity is considered deceptive reporting. 
Summary of Issues for Investigation I am requesting investigation into : Illegal reinsertion without notice False date opened Impossible payment and collection history Reporting updates without validation Failure to verify the debt under my original dispute Violations of FCRA 602, 607 ( b ), 611 ( a ) ( 5 ) ( B ), 623, and FDCPA 809 Requested Resolution I request the CFPB to take immediate action to ensure : Permanent removal of this collection account from my credit report with all bureaus.

Full investigation into XXXX XXXX XXXX reporting practices. 
Enforcement of compliance with FCRA reinsertion rules. 
Confirmation that this account is never reinserted again without full legal certification and proper notice. 
Sanctions or corrective actions as appropriate for repeated violations.

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