Consumer complaint received 2025-12-24 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: GA

Complaint narrative:
I am filing this formal complaint against Experian, TransUnion, and the data furnisher, XXXX, concerning the illegal reinsertion of an account onto my credit report. This account had been previously deleted following my disputes, and its reappearance is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

The account in question is : XXXX  Account Number : XXXX Here is a timeline of the events : I previously identified this XXXX account on my credit reports and disputed it as inaccurate and unverified. My initial dispute was successful, and the account was deleted from my credit file. I have documentation from Experian showing the results of this deletion, which occurred around XX/XX/XXXX. 

However, on or around XX/XX/XXXX, I discovered that this same XXXX account had been reinserted onto my credit report. This action was taken without my knowledge or consent and without following the strict legal procedures required for reinsertion. I immediately sent formal dispute letters to both Experian and TransUnion, clearly stating that this was an illegal reinsertion and demanding its permanent removal. In response, the credit bureaus conducted superficial investigations and simply " verified '' the account, completely ignoring the primary violation. 

The actions of the credit bureaus and XXXX violate federal law in several ways : FCRA Section 611a5B is violated because I never received the required written notification within five business days of the previously deleted XXXX account being reinserted onto my credit report. The law requires this notification to include a statement that the furnisher has certified the information as accurate and complete, which I also never received. 

FCRA Section 611a1A is violated because the credit bureaus failed to conduct a reasonable investigation into my dispute. My dispute was not about the details of the account itself, but about the illegal process of its reinsertion. By simply " parroting '' the furnisher 's verification without addressing the procedural violation, they failed their legal duty. 

FCRA Section 623a1A is violated by the furnisher, XXXX, for re-reporting information that was previously removed for being unverified. Furthermore, this account contains data inconsistencies, such as a blank payment history, which violates the Metro-2 reporting standard and proves the data is incomplete and inaccurate. 

FCRA Section 607b is violated by the credit bureaus for failing to follow reasonable procedures to assure maximum possible accuracy of the information in my credit file. Allowing an illegally reinserted account to reappear on my report is a clear failure of this duty. 

The impact of this illegal action on me has been significant. The reappearance of this derogatory account has negatively affected my credit score, limiting my ability to access credit and financial opportunities. The process of having to repeatedly dispute the same item is incredibly stressful, time-consuming, and has caused a great deal of 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