Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
To Whom It May Concern : This letter serves as a formal demand for immediate removal of two accounts that Experian previously deleted from my credit file, yet later reinserted without legally required written notice, in direct violation of the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ). 

The accounts are : XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX YOU ARE IN DIRECT VIOLATION OF FEDERAL LAW Under FCRA 611 ( a ) ( 5 ) ( B ), a consumer reporting agency is prohibited from re-inserting any previously deleted information unless : The furnisher certifies the accuracy of the information, AND The credit bureau provides the consumer with written notice within XXXX business days of reinsertion. 

Experian did NOT provide notice of reinsertion. 
Experian did NOT mail or deliver any certification or documentation. 
Experian did NOT comply with federal law. 

Your reinsertion of these accounts without notice is a clear and undeniable violation of my consumer rights. 

THE OTHER CREDIT REPORTING AGENCIES DO NOT REPORT THESE ACCOUNTS These same accounts do not appear on my TransUnion or Equifax files. Experian originally removed these accounts as well, acknowledging the dispute. The fact that only Experian is reporting them, and doing so after deleting them, further confirms the inaccuracy and unlawful reinsertion. 

ONGOING MONTHLY UPDATES & DATE MANIPULATION = ADDITIONAL VIOLATIONS These accounts have been : Updated every month despite being closed for years Reported as charged off repeatedly for over XXXX years Having dates altered or manipulated to make the account appear active Reported as indebtedness that is not legally reportable to consumer files A certificate of indebtedness is not income, and income can not be reported on consumer credit reports. These actions violate the FCRA requirement that all information be accurate, complete, and verifiable. 

EXPERIAN CAN NOT OVERLOOK THIS I have proof that these accounts were deleted. 
I have proof that Experian later reinserted them. 
I have no record whatsoever of Experian sending the required reinsertion notice. 

Your failure to notify me is illegal, harmful, and intentional. These inaccurate accounts have caused serious delays, denials, and stress in my ability to obtain credit. 

EXPERIAN IS BEING SUED CURRENTLY BY THE CFPB FOR DOING SHAM INVESTIGATIONS, THERE IS NO WAY A DIPSUTE CAN BE VERIFIED IN XXXX HOURS. 

FORMAL DEMAND I am demanding the following actions : Immediate deletion of : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) A written explanation describing why these accounts were reinserted without the mandatory FCRA 611 ( a ) ( 5 ) ( B ) reinsertion notice.

A complete copy of the furnishers certification, assuming one even exists.

A corrected copy of my Experian credit file showing the permanent removal of these accounts. 

YOU HAVE 30 DAYS TO FULLY COMPLY

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