Consumer complaint received 2025-08-07 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: FL

Complaint narrative:
FORMAL LEGAL DEMAND & CFPB COMPLAINT Subject : XXXX XXXX XXXX XXXX ( XXXX  ) Account Illegally Reinserted After Deletion Complainant : XXXX XXXX I. ILLEGAL REINSERTION OF DELETED ACCOUNT The XXXX XXXX XXXX XXXX ( XXXX  ) account in question was previously deleted from my credit reports with Experian and Equifax on or before XX/XX/year>, following a formal dispute. At that time, it was confirmed to be inaccurate and unverifiable. 

However, in XX/XX/year>, this same account was reinserted without my knowledge or consent, and in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ), which states : If any information is deleted and is reinserted the consumer reporting agency shall notify the consumer in writing not later than 5 business days after the reinsertion. 

To date, I have received no reinsertion notice whatsoever not within XXXX business days, and not at all. This failure to notify makes the reinsertion unlawful and the tradeline invalid under federal law. 

I hereby request that Experian, Equifax, and TransUnion immediately provide the following : A physical copy of the reinsertion notice allegedly sent to me regarding the XXXX  account ; The date the notice was generated and mailed ; The tracking number or delivery confirmation used, if any ; Proof that the notice was sent to my correct mailing address. 

If no such notice exists or can not be produced, this alone constitutes a standalone violation of the FCRA, and the account must be permanently deleted without delay. 



XXXX. ACCOUNT IS INACCURATE, UNVERIFIABLE, AND MUST BE PROVEN UNDER 15 U.S.C. 1681g This XXXX account remains inaccurate and unverifiable. Its prior deletion confirms that neither XXXX nor the credit bureaus could validate it with any lawful documentation. 

Accordingly, I now invoke my rights under 15 U.S.C. 1681g, which entitles me to a complete file disclosure. I am formally demanding that Experian, Equifax, and TransUnion provide : A copy of the original signed credit application for this account ; A copy of the full account agreement or contract ; All billing statements, account records, and verification materials relied on ; The certification of accuracy submitted by XXXX at the time of reinsertion ; The name, address, and phone number of the individual or department at XXXX who certified the account ; All internal dispute notes, investigation logs, and reinsertion records tied to this tradeline. 

If you can not produce the original signed application or lawful supporting documentation, then under FCRA 1681i ( a ) ( 5 ) ( A ), this tradeline must be immediately and permanently deleted from all consumer reporting systems.

Failure to provide the requested documents will be treated as non-compliance and a knowing violation of the FCRA. 



III. PRIVACY CONCERNS MEDICAL/WELLNESS-RELATED ACCOUNT SUBJECT TO LEGAL PROTECTIONS This XXXX account has been used, either in part or whole, for personal health, wellness, or medical-related expenses, such as : Emergency wellness-related purchases ; Health-preserving supplements and services ; Practitioner visits, therapy sessions, or physical care expenses. 

As such, this tradeline represents sensitive medical and wellness-related financial activity. 

Under Washington State Senate Bill 5480 ( SB 5480 ) and the spirit of emerging national consumer privacy laws, health-related financial activity should not be included on public credit reports. SB 5480 was passed specifically to prohibit credit reporting of medical debt due to the harm, discrimination, and privacy violations that result. 

Including such data on my credit report : Exposes private health information to lenders, landlords, and employers ; Subjects me to unfair discrimination in credit, housing, and employment decisions ; Violates my privacy rights and the evolving legal standards that protect consumers from this type of exposure. 

I therefore demand that this account be permanently deleted not only for its inaccuracy, but because it violates medical privacy standards and emerging public policy. The continued presence of this account constitutes both a civil harm and a violation of legislatively recognized privacy rights. Furthermore, no reinsertion notice was ever sent to me not within the required XXXX business days, and not at all making the reinsertion itself unlawful and procedurally invalid under FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ).

IV. DEMAND FOR RELIEF In light of these facts and violations, I formally demand the following : 1. Permanent deletion of the XXXX account from all credit files at Experian, Equifax, and TransUnion ; 2. Written confirmation, on official letterhead from each bureau, stating that : The account has been permanently removed ; It will not be reinserted unless full legal requirements under the FCRA are met ; 3. Full disclosure of all records under 15 U.S.C. 1681g, as listed in Section II ; 4. Upon submission of an FTC Identity Theft Report, immediate implementation of an identity theft block under FCRA 1681c-2, and confirmation of such block ; XXXX. Updated credit reports from each bureau ( at no cost to me ), showing removal of the XXXX account and updated scores. 



V. NOTICE OF FURTHER ACTIONS If this issue is not resolved within 15 calendar days, I will : Pursue civil litigation under FCRA 1681n and 1681o for actual, statutory, and punitive damages ; File formal complaints with the CFPB, FTC, state Attorneys General, and other relevant agencies ; Seek a criminal referral if evidence of deceptive reinsertion, false certification, or misuse of private data is established ; Request a regulatory investigation into potential patterns of misconduct at Experian, Equifax, and XXXX. 



VI. CONCLUSION This XXXX tradeline was previously deleted, is factually inaccurate, was reinserted without notice, and contains private medical-related activity. Experian, Equifax, and TransUnion must immediately : Produce the lawful documentation required by 15 U.S.C. 1681g ; or Permanently delete the account, in accordance with FCRA 1681i ( a ) ( 5 ) ( A ).

No reinsertion should have occurred, and no lawful basis for reporting has been provided. This matter is now formalized and under regulatory scrutiny. 

Respectfully submitted, XXXX XXXX

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