Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
I am filing a formal dispute concerning the unauthorized and unlawful re-insertion of an account that was previously deleted from my credit report : XXXX XXXX XXXX Account No. XXXX. 

This account was rightfully removed due to multiple factual inaccuracies and the furnishers failure to comply with federal law, specifically the Fair Credit Reporting Act ( FCRA ). Its reappearance is a direct violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which strictly prohibits the re-insertion of deleted information unless the following legal conditions are met : -Written notification to the consumer within XXXX ( XXXX ) business days of re-insertion. 

-Identification of the source ( creditor or data furnisher ) that certified the re-insertion. 

-Proper verification of the accounts accuracy before re-reporting. 

To this day, I have received no such written notice, and no documentation verifying this accounts legitimacy. Therefore, this action is not only unlawful but also constitutes a clear violation of my consumer rights under federal law. 

Furthermore, after reviewing this account, I have identified the following critical inaccuracies and reporting violations that demand immediate correction : Inaccuracies and Violations in the XXXX XXXX XXXX Account : Contradictory Status Reporting : The account is marked as closed, yet continues to be reported monthly as charge-off ( CO ) up to XX/XX/XXXX. 

This is a blatant contradiction and constitutes deceptive reporting. 

Stale and Misleading Status Update : The last official status update on this account is from XX/XX/XXXX, yet you continue to report new negative activity monthly through XXXX. 

This indicates that no real verification is occurringjust automated negative reporting without consumer validation. 

Balance and Credit Usage Errors : The account reflects a {$260.00} balance and a credit usage of XXXX XXXX despite being in a charged-off and closed state. 

Credit usage on a charged-off, closed account is not only misleading but XXXX unfairly lower my XXXX XXXX. 

Inconsistent Payment History & Incomplete Recordkeeping : The last payment was made on XX/XX/XXXX, and yet XXXX consecutive months of negative reporting continue to appearincluding COs, XXXX, and other derogatory markswithout revalidation. 

There is no legal justification for 61 months of uninterrupted negative marks with no activity or updated verification. 

Failure to XXXX XXXX XXXX XXXX : This account was previously deleted, as per credit report records. 

Its reappearance was done without the proper re-insertion protocol as outlined in FCRA Section 611 ( a ) ( 5 ) ( B ). 

You failed to notify me of the re-insertion, failed to identify the certifying source, and failed to provide any supporting documentation. 

XXXX Demands : I am formally demanding that you : Immediately and permanently remove this account from all credit reports under your control. 

Provide me with written documentation identifying the source who requested and certified this re-insertion. 

Confirm in writing that this account will not be reinserted again without full compliance with FCRA procedures.

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