Consumer complaint received 2025-11-04 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: NY

Complaint narrative:
I am filing this formal complaint against Experian for knowingly and unlawfully re-inserting a previously deleted XXXX XXXX account ( Account XXXX. XXXX ) into my credit file without providing any certification, validation, or notice as required under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ). After the account was removed during a prior investigation due to unverifiable information, it has been reintroduced into my credit report without any communication, proof of accuracy, or proper certification from the furnisher. This is a direct and willful violation of both federal and state consumer protection laws. 

Upon reviewing my most recent credit report, I found the reinserted XXXX XXXX account reporting data that is internally inconsistent and demonstrably inaccurate. The account is being reported as both Open and Charge-Off, which can not simultaneously exist. It reflects a balance of {$240000.00} on a {$0.00} credit limit, a figure that is mathematically impossible. The account also shows 100 % on-time payments while marking the same account as a Collection/Charge-Off. These contradictions clearly show that the credit bureaus have failed to conduct any reasonable investigation as required under FCRA 611 ( a ) ( 1 ) ( A ). Furthermore, the reinserted entry lists remarks such as In Good Standing and Unpaid Balance Reported as a Loss, which are mutually exclusive and further evidence of inaccurate reporting. 

The credit bureaus failure to provide me with a written notice of reinsertion, along with the name of the furnisher who allegedly reverified the account, constitutes a blatant disregard of FCRA 611 ( a ) ( 5 ) ( B ) ( ii ). This law requires that, if an item is reinserted after deletion, the consumer must be notified in writing within five business days and be provided with the furnishers certification of accuracy. None of these steps were taken. Their failure to produce any substantiating documentation or evidence to support this reinsertion proves that the bureaus are reporting unverifiable and false information, violating the requirement that all consumer credit data be accurate, complete, and verifiable. 

This pattern of misconduct represents not only a reckless failure to maintain accuracy but also a willful disregard for consumer rights under FCRA 616617. By their negligence and refusal to comply with federal standards, these credit bureaus have damaged my credit reputation, financial opportunities, and overall creditworthiness. They have demonstrated systemic noncompliance with FCRA procedures governing the reinvestigation and reinsertion process. 

I am requesting that the Consumer Financial Protection Bureau take immediate action to investigate this matter and compel Experian to permanently delete the reinserted XXXX XXXXXXXX account from my credit file. The bureaus must also be required to provide documented proof that the furnisher certified the accuracy of this account prior to reinsertion and must issue a written confirmation of deletion and compliance. Their continued failure to comply constitutes grounds for further regulatory and civil action. If unresolved, I will pursue additional remedies through the Federal Trade Commission, my State Attorney General, and private civil litigation for damages caused by these willful and negligent reporting practices.

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