Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This complaint arises from egregious and willful violations of the Fair Credit Reporting Act ( FCRA ) involving the unlawful reinsertion, false verification, and contradictory reporting of a XXXX XXXX account. 
XXXX deleted the XXXX XXXX account, conclusively demonstrating that the information could not be verified or certified as accurate. Despite this, TransUnion, Experian, and Equifax continue to report the same account and falsely claim it has been verified. 

This conduct is legally impossible, factually contradictory, and constitutes willful noncompliance with XXXX  consumer protection law. 



STATEMENT OF FACTS XXXX deleted the XXXX XXXX tradeline from my consumer file. 
A deletion by a national consumer reporting agency establishes that the account failed verification and/or certification requirements. 
Despite this deletion : TransUnion, Experian, and Equifax continue to report the account Each bureau claims the account has been verified Derogatory information remains published The same account can not lawfully be unverifiable to XXXX bureau and verified to others at the same time. 



VIOLATIONS OF FEDERAL XXXX Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Failure to delete information that can not be verified 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Illegal reinsertion without lawful certification and notice 15 U.S.C. 1681s-2 ( a ) Furnishing information that is inaccurate or can not be substantiated 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation after notice of dispute Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e False and misleading representations regarding the status of a debt 15 U.S.C. 1692f Unfair and unconscionable practices XXXX XXXX ( GLBA ) XXXX XXXX. XXXX Failure to ensure the accuracy and integrity of consumer information LEGAL ANALYSIS Once a tradeline is deleted, it can not be lawfully reinserted unless the furnisher re-certifies its accuracy and the consumer reporting agency complies with strict statutory safeguards. Claiming verification in the face of a prior deletion is facially false. 

XXXX / XXXX XXXX can not certify the same account as accurate to some bureaus while it is unverifiable and deleted by another. The continued reporting of this account by TransUnion, Experian, and Equifax constitutes false verification, unreasonable procedures, and reckless disregard for federally protected consumer rights. 

This pattern reflects systemic failure, not a clerical error. 



CONSUMER HARM As a direct result of these violations, I have suffered : Ongoing damage to my credit reputation Loss of credit opportunities Emotional distress Significant time and financial burden disputing unlawful reporting DEMAND FOR RESOLUTION I demand the following relief : XXXX. Immediate and permanent deletion of the XXXX XXXX account from TransUnion, Experian, and Equifax XXXX. Written confirmation that the account will not be reinserted XXXX. A detailed explanation of how the account was allegedly verified after deletion by XXXX XXXX. Assurance of full compliance with all applicable XXXX  consumer protection laws Correction is not acceptable. Deletion is the only lawful remedy. 


NOTICE Failure to promptly resolve these violations may result in escalation, including enforcement action and litigation to recover statutory, actual, and punitive damages pursuant to 15 U.S.C. 1681n and 1681o.

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