Consumer complaint received 2025-09-04 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: PA

Complaint narrative:
Unlawful Reinsertion & Inaccurate/Unverifiable Reporting Bureaus involved : Experian, TransUnion XXXX  : shown for prior context only ; nothing is currently reporting there. 
Background ( short ) I previously disputed these items and they were removed. They have now reappeared on TransUnion ( all three ) and XXXX newly appeared on Experian. I did not receive any reinsertion notices from TransUnion. I also did not receive any validation notice or documentation from XXXX before it began reporting. The items are inaccurate and/or unverifiable and must be deleted. 
Whats reporting now & why it violates the law Experian XXXX XXXX XXXX Acct # XXXX Nature of furnisher : Debt collector/debt buyer. 
Violations : Furnishing before validation notice/ no waiting period ( for debt collectors ) : Under Regulation F, 12 C.F.R. 1006.30 ( a ), a debt collector may not furnish information to a CRA before ( i ) sending the consumer the validation notice required by 15 U.S.C. 1692g ( a ) and ( ii ) allowing a reasonable period to ensure the notice wasnt returned undeliverable. I did not receive a validation notice from XXXX prior to its reporting. 
Failure to cease collection pending validation ( if disputed to the collector ) : If I dispute directly to XXXX within 30 days of its initial notice, it must cease collection/reporting until it mails validation ( 15 U.S.C. 1692g ( b ) ). 
Inaccurate or unverifiable furnishing : Furnishers must not report information they know or should know is inaccurate, and must correct/delete if they cant reasonably verify ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ; duties after CRA dispute under 1681s-2 ( b ) ). I do not recognize any account with XXXX, and XXXX has not provided proof of ownership/authorization. 
Failure to mark as disputed ( if already disputed to the CRA/collector ) : If a consumer disputes, the tradeline must reflect disputed by consumer ( 15 U.S.C. 1681s-2 ( a ) ( 3 ) ).

Required remedy : Delete for unlawful furnishing without validation ; alternatively, provide full validation ( contract/terms, original creditor, itemized accounting, chain of title ) and proper dispute notationotherwise remove. 
TransUnion XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Violations : Unlawful reinsertion without notice : This account was previously deleted and has reappeared. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), a CRA may not reinsert deleted information unless the furnisher certifies its completeness/accuracy and the CRA notifies the consumer within 5 business days of reinsertion with the furnishers name, address, and phone. I received no such notice. 
Failure to assure maximum possible accuracy : Reinsertion without new, verified documentation shows unrea

sonable procedures under 15 U.S.C. 1681e ( b ). If disputed now : CRA/furnisher must conduct a reasonable reinvestigation and delete if unverifiable ( 15 U.S.C. 1681i ( a ) ; 1681s-2 ( b ) ). 
XXXX XXXX XXXX Acct # XXXX Violations : Unlawful reinsertion without notice ( same rule as above ) : previously deleted ; reappeared with no 5-day notice ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ). 
Debt collector furnishing before validation/ no waiting period : 12 C.F.R. 1006.30 ( a ) prohibits furnishing to CRAs before sending the validation notice and waiting a reasonable time. I did not receive a validation notice prior to reporting. 
Failure to cease collection pending validation ( if I disputed to XXXX ) : 15 U.S.C. 1692g ( b ).

Inaccurate/unverifiable furnishing : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ; duties after CRA dispute under 1681s-2 ( b ). 
XXXX XXXX  Acct # XXXX Violations : Unlawful reinsertion without the required 5-day notice after prior deletion ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ). 
Failure to maintain reasonable procedures for accuracy if TransUnion accepted reinsertion without a proper furnisher certification ( 15 U.S.C. 1681e ( b ) ).

If disputed now : Must be verified with original creditor records ( agreement, DOFD, itemization ). If not, delete ( 15 U.S.C. 1681i ( a ) ; 1681s-2 ( b ) ).

Why these items should be removed now TransUnion reinserted previously deleted information without the legally required certification and consumer notice ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ). That alone warrants immediate deletion.

XXXX ( on both bureaus ) is a debt collector and appears to have reported before sending a validation noticeand waiting a reasonable time, violating Reg F, 12 C.F.R. 1006.30 ( a ). If I dispute to XXXX, it must cease reporting until it mails validation ( 15 U.S.C. 1692g ( b ) ). 
Furnishers/CRAs must ensure maximum possible accuracy and delete if unverifiable ( 15 U.S.C. 1681e ( b ) ; 1681i ( a ) ; 1681s-2 ( b ) ). None of these tradelines have been substantiated to me with competent evidence. 
( Context note for CFPB : these exact items were removed in the prior round, demonstrating their earlier unverifiability. )

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