Consumer complaint received 2025-04-09 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian Dispute Department XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Formal Dispute of XXXX XXXX XXXX Late Payments Re : Violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) Dear Experian, I am writing to formally dispute inaccurate and potentially unlawfully reported information currently listed on my Experian credit report. Specifically, this dispute concerns late payments allegedly reported by XXXX XXXX XXXX Account XXXX XXXX. 
Per 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), a consumer report must be based on information furnished by a person who has a permissible purpose under the Fair Credit Reporting Act ( FCRA ), and the information must be accurate and verifiable. I believe the late payments reported are either : Inaccurate Not verified by XXXX XXXX XXXX in compliance with FCRA requirements Or possibly reported without proper permissible purpose I am requesting that you initiate an investigation pursuant to 15 U.S. Code 1681i ( a ) and provide me with : 1. Removal of the late payments from my credit report if they can not be verified or found to be inaccurate or misreported.

2. FCRA Section 611 ( a ) ( I ) ( B ) : Mandates that if the information is found to be inaccurate or can not be verified, the agency must remove the inaccuracies. 
Please find enclosed copies of my XXXX payment ledger from XXXX XXXX XXXX, stating that my account has never been reported late. 
The inaccurate reporting must be corrected immediately. I request that immediately correct the late payments on my credit report. If this matter is not resolved promptly, I will seek legal remedies including a claim for damages up to {$1000.00} as permitted under the FCRA for violations of the law. 

I respectfully demand the late payments to be removed from my credit file immediately under the FCRA. 
This letter is formally written by myself, XXXX XXXX XXXX, not by a third party or a representative. 
Sincerely, XXXX XXXX XXXX Cell : ( XXXX ) XXXX Email : XXXX Enclosures : Copy of my Passport Copy of Social Security Card Utility bill XXXX Payment Ledger CFPB Report FTC XXXX Report Affidavit of Idenitity XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/year> Experian XXXX Department XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Dispute of Reinserted Item on Credit Report Account Number : XXXX XXXX XXXX Dear Experian, I am writing to formally dispute the recent reappearance of an item on my credit report that was previously removed. The account in question is : XXXX XXXX Account Number : XXXX I would like to note that I previously filed a dispute for this account which was processed and removed from my credit report on XXXX XXXX please see attached proof of the deletion. However, to my surprise, this fraudulent account has been added back to my report. 
This reinsertion violates several provisions of the Fair Credit Reporting Act ( FCRA ), including : FCRA Section 611 ( a ) ( 1 ) ( A ) : Requires the credit reporting agency to complete an investigation when a consumer disputes an item and either confirm its accuracy or delete it.

FCRA Section 611 ( a ) ( I ) ( B ) : Mandates that if the information is found to be inaccurate or can not be verified, the agency must remove or correct it.

F C R A Section 611 ( a ) ( 5 ) ( B ) : Specifies that if an item previously removed is reinserted, the agency must notify the consumer within five business days.

The reinserted item on my credit report has reappeared without proper notification or validation, violating the above FCRA provisions. I request that you immediately remove this reinserted item from my credit report. If this matter is not resolved promptly, I will seek legal remedies, including a claim for damages up to {$1000.00} as permitted under the FCRA for violations of the law. 
Sincerely, XXXX XXXX XXXX Email Address : 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