Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Reappearance of XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX with Inconsistent Reporting - Second CFPB Complaint Complaint Description : This is my second formal complaint to the CFPB regarding severe and ongoing inaccuracies by XXXX, Experian, and XXXX concerning my credit report. Despite previous disputes and the successful removal of XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX, and XXXX XXXX accounts, these accounts have now reappeared on my credit reports, presenting the same unresolved discrepancies. This continued non-compliance with the Fair Credit Reporting Act ( FCRA ) is unacceptable and requires immediate resolution. 

Bureau-Specific Issues and Details : XXXX. XXXX : XXXX XXXX XXXX XXXX ( XXXX ) Account Information : Account # XXXX Current Status : Charge-off Balance : {$4100.00} Previous Dispute History : Successfully removed following disputes initiated on XX/XX/year> and XX/XX/year>. 
Issue : The account has reappeared with the same incorrect status and balance discrepancies, indicating XXXX failure to ensure accurate reporting. 
Violation : Clear non-compliance with FCRA 607 ( b ) requiring accurate information and 611 ( a ) mandating reasonable reinvestigation. 
XXXX XXXX and XXXX Bank were previously removed and did not reappear on XXXX. 
XXXX. Experian : XXXX XXXX XXXX XXXX ( XXXX ) Account Information : Account # XXXX Current Status : Charge-off Balance : {$4600.00} ( inconsistent with XXXX and XXXX ) Previous Dispute History : Successfully removed following disputes initiated on XX/XX/year> and XX/XX/year>. 
Issue : Account has reappeared with continued balance discrepancies. Experians repeated failure to resolve these inaccuracies demonstrates disregard for FCRA compliance. 
Violation : Inconsistent reporting and failure to maintain data accuracy, violating FCRA standards. 
XXXX XXXX ( Account # XXXX ) Current Status : Negative Balance : {$850.00} Previous Dispute History : This account was previously removed but has now reappeared solely on Experian, with no reporting on XXXX or XXXX. This inconsistency calls Experians accuracy and compliance into question. 
Violation : Breach of FCRA 607 ( b ) for accurate reporting. 
XXXXXXXX XXXX ( Account # XXXX ) Current Status : Charge-off Balance : {$790.00} Previous Dispute History : Successfully removed from XXXX and XXXX but has now reappeared solely on Experian. 
Violation : Reappearance of previously resolved inaccuracies demonstrates Experians failure to maintain compliance with FCRA 607 ( b ) and 611 ( a ). 
XXXX. XXXX : XXXX XXXX XXXX XXXX ( XXXX ) Account Information : Account # XXXX Current Status : Charge-off Balance : {$4100.00} Previous Dispute History : Successfully removed following disputes initiated on XX/XX/year> and XX/XX/year>. 
Issue : The account has reappeared with discrepancies, showing continued non-compliance with the FCRAs accuracy and reinvestigation mandates. 
Violation : Repeated failure to ensure data accuracy and proper reinvestigation in compliance with FCRA 607 ( b ) and 611 ( a ). 
Requested Resolutions : Immediate and Permanent Removal of the XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX Bank accounts from all applicable credit reports due to unresolved inaccuracies despite previous corrective actions. 
Written Confirmation of Removal and Compliance Measures : Documentation of investigations, actions taken, and measures implemented to ensure adherence to FCRA regulations. 
Commitment to Prevent Further Reappearance : Assurances and measures to prevent further recurrence of these reappearing accounts, which undermine the accuracy and integrity of consumer credit reporting. 
The reappearance of previously removed accounts with the same discrepancies indicates a severe lapse in compliance and enforcement of the FCRA. This pattern of negligent and inconsistent reporting across multiple bureaus is causing substantial harm to my credit standing and well-being. I demand immediate corrective action and regulatory intervention to enforce compliance and ensure accurate credit reporting practices. 

Thank you for your prompt attention to this critical issue.

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