Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CFPB CONSUMER COMPLAINT Violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) Unlawful Reinsertion No Permissible Purpose Failure to Investigate Consumer Information Name : XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX, XXXX, ZIP : XXXX, Tx XXXX Email : XXXX Companies Being Reported XXXX  XXXX Account No. XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX Related Consumer Reporting Agencies : Equifax Experian Issue Type Credit reporting Account information dispute Incorrect information on credit report Unauthorized reinsertion of previously deleted information Failure to conduct reasonable investigation Complaint Summary I am filing this complaint for serious violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, arising from XXXX XXXX  unlawful furnishing and reinsertion of account information that had previously been deleted from my credit reports by Equifax and Experian. 

Despite prior deletions, the following accounts were reinserted without proper notice, without lawful verification, and without a permissible purpose, in direct violation of federal law : XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX Additionally, Equifax and Experian are currently the subject of litigation for unlawful reinsertion practices, and the reappearance of these accounts reflects the very conduct at issue in those proceedings. 

Legal Violations 1. Unlawful Reinsertion 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Once disputed information is deleted, a consumer reporting agency may not reinsert it unless : The furnisher certifies the accuracy of the information, and The CRA provides the consumer written notice of reinsertion within 5 business days No such certification or notice was ever provided to me. 

The reinsertion of these XXXX XXXX accounts is therefore statutorily unlawful. 

2. No Permissible Purpose 15 U.S.C. 1681b Capital One lacked a lawful permissible purpose to access or continue furnishing my consumer report. 

I did not provide written, verbal, electronic, or implied consent, nor does any valid contractual relationship exist to justify continued reporting. 

3. Failure to Conduct a Reasonable Investigation 15 U.S.C. 1681s-2 ( b ) XXXX XXXX failed to conduct a reasonable investigation after disputes were submitted, instead allowing previously deleted information to be re-reported without documentation. 

Automated verification or internal data confirmation does not satisfy the FCRAs reinvestigation requirement. 

Case Law Support Courts have consistently held furnishers and CRAs liable for similar conduct : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Reinvestigation must be reasonable, not superficial or automated. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Furnishers must meaningfully investigate disputes, not merely confirm prior data. 
XXXX v. XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) CRAs can not rely blindly on furnishers when accuracy is disputed. 
XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Reinsertion without compliance violates XXXX. 

Disputed Accounts XXXX XXXX ( Acct. XXXX ) Previously deleted Reinserted without lawful certification or notice XXXX XXXX XXXX XXXX ( Acct. XXXX ) Deleted and unlawfully re-reported No permissible purpose or valid investigation Harm Caused As a result of these violations, I have suffered : Damage to my credit profile and creditworthiness Increased difficulty obtaining favorable credit terms Emotional distress and time spent correcting unlawful reporting Ongoing risk of further reinsertion and harm Resolution Requested I respectfully request that the CFPB require the following : Immediate deletion of XXXX  XXXX Account XXXX Immediate deletion of XXXX  XXXX Auto Account XXXX Written proof of permissible purpose and certification, if claimed Correction across all consumer reporting agencies Compliance monitoring to prevent further unlawful reinsertion Written confirmation of resolution Additional Statement This complaint is submitted in good faith to enforce my rights under federal law. I maintain records of all disputes, deletions, and reinsertions and am prepared to provide documentation upon request.

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