Consumer complaint received 2025-05-23 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: AZ

Complaint narrative:
Subject : Second Formal Complaint Against Experian Unlawful Reinsertion of Deleted XXXX XXXX XXXX Account Dear Consumer Financial Protection Bureau ( CFPB ), I am submitting this second formal complaint against Experian for violating my rights under the Fair Credit Reporting Act ( FCRA ). This complaint specifically addresses the unlawful reinsertion of a previously deleted derogatory account from XXXX XXXX XXXX into my credit report, without proper notice, certification, or verification, as mandated by federal law. 
Account Information : * Creditor Name : XXXX XXXX XXXX * Account Number ( last digits ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$13000.00} * Account Type : Auto Loan * Original Date of Removal : XXXX  2025 * Date of Reinsertion by Experian : XXXX 2025 Background : I initially disputed this account on XXXX 2025, due to inaccurate and unverifiable information. After my dispute, Experian deleted the account from my credit report, confirming its removal around XXXX 2025.

However, on my most recent credit report dated XXXX 2025, I discovered that Experian has reinserted this same account, listing it once again as a charge-off with derogatory status and a balance of $ XXXXdespite no new documentation or certification ever being provided to me. 
This action constitutes a direct and repeated violation of the FCRA, especially considering : * XXXX  correctly does not list this account, indicating inconsistency across the credit bureaus. 

FCRA Violations by Experian : 1. 611 ( a ) ( 5 ) ( B ) [ 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ] Unlawful Reinsertion * Experian failed to obtain or disclose certification of accuracy before reinserting the deleted item.

2. 623 ( a ) ( 3 ) [ 15 U.S.C. 1681s-2 ( a ) ( 3 ) ] Failure to Correct and Update * Reinsertion occurred without any correction to the data that was originally disputed, violating their duty to update inaccurate information.

3. 611 ( d ) [ 15 U.S.C. 1681i ( d ) ] Failure to Notify of Reinsertion * I was not notified in writing within 5 business days of the reinsertion, which is explicitly required under the law.

4. 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] Failure to Ensure Maximum Possible Accuracy * Reinserting previously removed and still inaccurate information shows a systemic failure in Experians procedures to maintain report accuracy.

Harm and Damages : * Lowered credit score * Obstruction of mortgage pre-approval * Emotional distress and loss of time * Unfair denial of credit opportunities This error has directly impacted my ability to pursue stable housing for my family, and the reappearance of a derogatory and incorrect account from a credit union I never authorized has intensified the damage.

Actions Requested : 1. Immediate permanent removal of the XXXX XXXX XXXX  account from my Experian credit file. 
2. Written certification from Experian confirming the removal and assurance that the account will not be reinserted without full legal compliance.

3. Investigation into Experians reinsertion procedures and failure to notify me as required.

4. Accountability and penalties for Experian 's violations, under FCRA 616 and 617 for civil liability.

5. Consideration of financial compensation for credit damage and harm suffered.

Please confirm receipt of this complaint and advise me of the next steps in the investigation process. I am attaching a copy of the updated credit report where the reinserted account now appears, along with my previous dispute file and evidence of initial deletion.

Thank you for your immediate attention.

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