Consumer complaint received 2025-10-02 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/year> Experian XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate and Duplicate Reporting Report Number : XXXX To Whom It May Concern : I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq. to formally dispute inaccurate, incomplete, and duplicate information being reported on my consumer report. This includes reinsertion of previously deleted accounts, duplicate collection accounts, and reporting practices that violate my consumer rights. 

Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00} This account is being reported twice under XXXX different furnishers for the same alleged debt. This constitutes double jeopardy under the FCRA and is impermissible. 

XXXX XXXX XXXX {$1200.00} I dispute the validity of this account. XXXX has not provided full validation as required under the FDCPA and its continued reporting violates FCRA 1681i. 

XXXX  XXXX Accounts ( XXXX, XXXX, XXXX, XXXX  ) These accounts are disputed due to inaccurate reporting, and no verification has been provided. 

XXXX  XXXX Two Accounts ( Account Number XXXX ) These appear to be duplicates of the same obligation. Reporting the same account multiple times is misleading, inaccurate, and violates FCRA 1681s-2 ( a ) ( 1 ) ( A ). 

XXXX XXXX {$53000.00} This account has serious reporting inaccuracies and is being disputed in its entirety. 

All Closed Accounts Please delete all closed accounts from my report, as they no longer serve a permissible purpose for creditors and continue to cause harm. 

Violations & Legal Basis : FCRA 1681i ( a ) : Requires Experian to conduct a reasonable reinvestigation of disputed information.

FCRA 1681s-2 ( a ) : Prohibits furnishers from reporting inaccurate or duplicate information.

FCRA 1681c ( a ) : Restricts the reporting of obsolete and closed accounts beyond the permitted reporting period.

FCRA 1681i ( a ) ( 5 ) ( B ) : Prohibits reinsertion of previously deleted accounts unless the furnisher certifies accuracy and the consumer is notified within 5 business days. Experian has failed to properly notify me of reinsertions.

Data Breach Concerns : I further remind Experian of the major data breaches with Equifax, XXXX XXXX XXXX, and TransUnion, which place consumers like myself at greater risk of identity theft. This reinforces my demand that Experian immediately correct, delete, and safeguard my consumer information from further violations. 

Demand for Action : Immediately delete all accounts listed above from my consumer report.

Provide written confirmation of deletion within 30 days as required under FCRA 1681i ( a ) ( 1 ).

Cease and desist from reinserting any of these accounts without full compliance with FCRA 1681i ( a ) ( 5 ) ( B ). 

Provide me with an updated copy of my corrected credit report. 

Failure to comply will leave me no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General, as well as pursue legal remedies available to me under federal law. 

Sincerely, XXXX XXXX XXXX

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