Consumer complaint received 2025-07-10 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 XXXX XXXXXXXX Date : XX/XX/year> To : Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Final Dispute Notice Repeated and Improper Reinsertion of Deleted Accounts / FCRA Violations / Intent to Pursue Legal Action Dear Experian Dispute Department, This letter serves as my final formal dispute regarding the improper and repeated reinsertion of previously deleted accounts on my credit file. Your actions are not only a violation of the Fair Credit Reporting Act ( FCRA ) but also demonstrate a pattern of negligent and willful noncompliance with federal law.

Accounts in Question ( Reinserted Three Times ) : XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts were disputed and deleted twice previously, only to be reinserted a third timewithout proper notice or legal justification. This repeated removal and reinsertion of the same disputed accounts reflects grossly inadequate investigation practices and a disregard for consumer rights under the FCRA.

Violations and Bad Investigation Practices : FCRA 611 ( a ) ( 1 ) ( A ) : Your investigations lack reasonable effort. Simply accepting a data furnishers unverifiable claims, without demanding valid documentation, is not a reasonable investigation. Doing so after multiple deletions borders on intentional misconduct.

FCRA 611 ( a ) ( 5 ) ( B ) : You have failed to notify me within 5 business days after each reinsertion, as required by law. No written communication was ever sent to explain the basis of reinsertion or to provide the furnishers contact information.

FCRA 607 ( b ) : Your agency is not following reasonable procedures to ensure maximum possible accuracy. Re-reporting accounts already deemed inaccurate through prior investigations is a blatant violation of this requirement.

These ongoing violations suggest either a systemic failure or willful disregard of federal law.

CFPB Enforcement & Legal Liability I am fully aware of the CFPBs enforcement action against Experian for similar deceptive and noncompliant practices. Your current handling of my credit file fits the pattern described in that lawsuit. I am also aware of my rights under FCRA 616 and 617, which permit consumers to seek statutory and actual damages for willful or negligent noncompliance.

Formal Demands : Permanent deletion of the above-listed accounts from my credit report.

A written explanation of how and why these accounts were reinserted three separate times.

The name, address, and phone number of each furnisher that verified the accounts.

A copy of any and all documentation you received in support of the reinsertion.

A detailed breakdown of your reinvestigation process, per FCRA 611 ( a ) ( 7 ).

FINAL WARNING INTENT TO FILE LAWSUIT If this matter is not fully resolved within 15 calendar days of your receipt of this letter, I will proceed with filing formal complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The Ohio Attorney Generals Office And, most importantly, I will be preparing to initiate civil litigation for damages as allowed under FCRA 616 and 617.

This is your final opportunity to correct these illegal actions and avoid litigation. 

Sincerely, XXXX XXXX [ Signature if mailing ]

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