Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Reinserted Information on Credit Report To Whom It May Concern, I am writing to express my strong disagreement with the reinserted information on my credit report, which I believe is inaccurate and fraudulent. In your recent communication, received via email on XX/XX/XXXX ( a copy of which is provided ), you stated that certain items were reinserted because the request to block the information was based on a material misrepresentation, that I have agreed in writing that the information was blocked in error, or I knowingly obtained goods, services, or money as a result of the blocked transaction for account XXXX. 

I would like to clarify the following : My request to block information was not made based on a material misrepresentation. 

I have not agreed in writing that the information was blocked in error. 

I did not knowingly obtain any goods, services, or money as a result of the blocked transaction. 

I am requesting validation and a thorough explanation of how you arrived at this decision. Please provide me with all relevant documentation and information used in your determination that the information should be reinserted. Specifically, I need : The source of the information Any evidence of material misrepresentation Proof of my written agreement that the information was blocked in error Any documentation showing that I knowingly obtained goods, services, or money as a result of the blocked transaction On XX/XX/XXXX, I spoke with XXXX at Experian regarding issues with this account reporting inaccurate information. This account was disputed on XX/XX/XXXX, under report number XXXX. The dispute results indicated that the late payments for XX/XX/XXXX ( 120 days late ) and XX/XX/XXXX ( 180 days late ) were removed from my report. However, on XX/XX/XXXX, the late payments were reported back on my credit report. I explained this situation to XXXX over the phone, and he escalated the case to a higher department for review. The review concluded that the account information was reported inaccurately and inconsistently, leading to the removal of the account from my credit report on XX/XX/XXXX. 

Despite this resolution, the account was re-added to my credit report on XX/XX/XXXX. In light of the recent allegations outlined in the Consumer Financial Protection Bureau 's lawsuit against Experian, filed on XX/XX/XXXX, I believe I am a victim of the practices cited in the lawsuit. Therefore, I am exercising my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ) to dispute and request validation of this account. This section ensures my right to request a reinvestigation of any disputed information in my credit report, and the consumer reporting agency must provide me with the results of their investigation. 

Additionally, a case was filed with the Florida Attorney General on XX/XX/XXXX, an FTC report was filed on the same date, and a complaint was filed with the CFPB. A copy of my credit report is provided, showing when the account was re-added. I have also provided a copy of my credit report showing the inaccuracies. 

I have identified information on my report that is a result of identity theft and fraudulent reporting. These accounts do not belong to me, specifically XXXX. Please remove this account from my credit report if it can not be properly validated. Additionally, provide me with a copy of my updated credit report reflecting these changes. 

I have attached a copy of my credit report for your reference, highlighting the reinserted information in question. Please investigate this matter thoroughly and remove the incorrect information from my credit report. Additionally, I request to add a statement of continued dispute to my credit report if the matter is not resolved in my favor. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution. Please see attached for further detailed

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