Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am formally disputing the reinsertion of the XXXX XXXX account ( Account No. ending in XXXX ) on my Experian credit report. 

This account was deleted as of XX/XX/year>, and inexplicably reinserted by XX/XX/year>, without any notice. I was not informed in writing, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). Additionally, I do not recognize this account and believe it may be the result of identity theft, a mixed file, or otherwise unverifiable information.

Violations of the Fair Credit Reporting Act ( FCRA ) 1. FCRA 611 ( a ) ( 5 ) ( B ) Reinsertion Without Proper Notice You are required to provide written notice within 5 business days after reinserting any previously deleted item. I received no such notice regarding this reinsertion. 

2. FCRA 611 ( a ) ( 5 ) ( C ) Failure to Certify Accuracy Before Reinsertion Information previously deleted may only be reinserted if the furnisher ( XXXX XXXX  ) certifies its accuracy. Please provide documentation that such certification was received.

3. FCRA 611 Right to Dispute Inaccurate or Unverifiable Information Because I do not recognize this account and it was previously removed, I am again exercising my right to dispute. You are required to : Investigate the accuracy of this account.

Obtain verification from the furnisher, including signed application, billing statements, or proof of use. 
If the account can not be verified, it must be deleted. 
This account is not mine, and I request deletion on the basis of possible identity theft, a mixed file, or unverifiable data. 

4. FCRA 609 Right to Full Disclosure I formally request : A copy of the original application for this credit account.

Billing records or transaction history.

Any records used to verify the account 's ownership or status.

If you or the furnisher can not provide these records, this account must be removed.

5. FCRA 607 ( b ) Obligation for Maximum Possible Accuracy You are required to report information that is complete, factual, and accurate. Re-reporting a disputed account without resolving the dispute or without updated verification is a direct violation of this duty.

6. FCRA 605 Obsolete Information presence must be accurate and verifiable during that time. Anything less is a violation. 

Action Requested : I am demanding that Experian, Equifax and Transunion immediately : Delete the XXXX XXXX account ( # XXXX ) from my credit report. 
Provide written confirmation of deletion. 
Send me a full updated copy of my credit report once the change has been made. 
If this matter is not resolved within the required 30-day period, I will escalate with a formal complaint to the Consumer Financial Protection Bureau XXXX CFPB ) and may pursue further legal remedies under the FCRA.

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