Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX Date XX/XX/year> To : Experian XXXX  XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute Improper Reinsertion of Previously Deleted Accounts & Reference to CFPB Legal Action Dear Experian Dispute Department, I am writing to formally dispute the unauthorized reinsertion of previously deleted accounts on my credit file, which appears to have occurred in direct violation of the Fair Credit Reporting Act ( FCRA ). This is my Final notice Additionally, I want to highlight my awareness of the Consumer Financial Protection Bureaus ( CFPB ) lawsuit against Experian, which makes this issue all the more concerning. 
Reinserted Accounts in Question : XXXX XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXXXXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX These accounts were previously deleted from my credit report twice following a formal dispute. Their reappearance without proper notification is a clear violation of FCRA Section 611 ( a ) ( 5 ) ( B ) [ 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ], which mandates that if a credit reporting agency reinserts previously deleted information, it must notify the consumer within XXXX ( XXXX ) business days and provide the name and contact information of the furnisher that verified the account. 
To date, I have received no such notification. 
FCRA Violations : XXXX. Section 611 ( a ) ( 1 ) ( A ) : Experian is obligated to conduct a reasonable reinvestigation of disputed items. Simply confirming information with the furnisherwithout obtaining supporting documentationdoes not constitute a reasonable investigation.

2. Section 611 ( a ) ( 5 ) ( B ) : If information is reinserted, the agency must notify the consumer in writing within 5 business days, identifying the furnisher and advising of the consumers right to re-dispute.

3. Section 607 ( b ) : Experian must follow reasonable procedures to ensure maximum possible accuracy of the information it reports. 
Because Experian failed to follow these provisions, the reinsertion of these accounts is not only unauthorizedit is unlawful. 
Reference to CFPB Lawsuit Against Experian I am aware that the CFPB has taken enforcement action against Experian for deceptive practices and FCRA violations. This includes issues with credit file accuracy and misleading consumer communications. 
Given this legal precedent and the ongoing scrutiny your agency is under, I am demanding : XXXX. Immediate deletion of the reinserted accounts listed above. 
XXXX. A full explanation of how and why these accounts were reinserted. 
XXXX. The name, address, and phone number of the furnisher ( XXXX ) who re-verified these accounts. 
XXXX. A copy of any documentation used to validate the reinserted information. 
XXXX. A detailed description of the procedures used in your reinvestigation, as required under FCRA Section 611 ( a ) ( 7 ).

Deadline & Legal Notice You are legally required to resolve this dispute within 5 days of receipt. Failure to comply with the FCRA may result in additional formal complaints being filed with the : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) State Attorney Generals Office And potentially, civil legal action for damages and injunctive relief under FCRA Section 616 and 617. 
Thank you Sincerely 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