Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am submitting this follow-up to my initial complaint regarding Experians unlawful and repeated reinsertion of two XXXX accounts into my credit file ( account # XXXXXXXX and XXXXXXXX  ) despite their prior deletion and multiple disputes. Since then, Experian has reinserted these accounts on at least three separate occasions : XX/XX/XXXX, XX/XX/XXXX, and most recently on XX/XX/year>. These reinsertions were done without any written notice or proper certification, in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii )- ( iii ).

These accounts were previously removed after being acknowledged as inaccurate, and I received written confirmation from Experian dated XX/XX/year>, confirming their deletion. Yet, Experian has allowed them to reappear without notifying me, without verifying their accuracy, and without supplying any documentation of a lawful reinvestigation as required by law. Experian has completely ignored its legal obligations under the FCRA, including 15 U.S.C. 1681b ( lack of permissible purpose ), 1681e ( b ) ( failure to ensure maximum possible accuracy ), and 1681i ( a ) ( 1 ) ( failure to conduct a lawful reinvestigation ). I have never authorized these accounts to be reported, reinserted, or verified. This has caused me significant emotional distress, financial damage, and repeated denial of credit access.

Importantly, the CFPB has now formally sued Experian for exactly this type of behavior. In their public enforcement announcement, the Bureau found that Experian : Conducted sham investigations that failed to properly address consumer disputes ; Sent confusing and inaccurate notices to consumers about dispute outcomes ; Improperly reinserted inaccurate information into credit reports without following FCRA reinsertion rules ; Failed to match previously deleted tradelines, allowing the same inaccurate data to be re-reported under new furnishers.

This lawsuit validates everything Ive been experiencing first-hand with Experian. It proves that these are not isolated issuesthey are systemic violations that Experian has knowingly perpetuated across its consumer base.

I have also submitted a formal FTC Identity Theft Report and FTC Consumer Fraud Report regarding this matter. The reinsertion of these accountswithout notice, without certification, and without legitimate investigationmatches exactly what the CFPB has described in their legal filing.

I am demanding the permanent deletion of these XXXX  accounts from my credit file, written confirmation, and enforcement action from the CFPB. Experians misconduct is willful and repeated. I am asking for regulatory penalties to be imposed and for this agency to help ensure that no further reinsertion occurs. I am not the only victimthis is a widespread pattern of abuse that the CFPB itself has now exposed.

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