Consumer complaint received 2025-04-12 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: FL

Complaint narrative:
Subject : Formal Complaint for Violations of the Fair Credit Reporting Act ( FCRA ) Unlawful Reinsertion of Deleted Account by Experian Dear Consumer Financial Protection Bureau, I am filing this complaint against Experian Information Solutions , Inc . ( Experian ) for multiple violations of the Fair Credit Reporting Act ( FCRA ) arising from the unlawful reinsertion of an account that Experian previously deleted from my consumer file.

1. Account at Issue Account Name XXXX Partial Account # XXXX Original Deletion Date ( Experian confirmation ) XX/XX/year> Reinsertion / Date Reported Shown on Current Experian File XX/XX/year> Balance {$890.00} Status Closed Collection/Chargeoff ( Derogatory ) 2. Background * On XX/XX/year>, after my formal dispute, Experian deleted the above account and confirmed its removal in writing. 
* On XX/XX/year>, I discovered the same account had been reinserted into my Experian credit report, now listed as a derogatory chargeoff with a balance of {$890.00}.

* Experian never provided ( i ) the legally required certification of accuracy from the furnisher prior to reinsertion, nor ( ii ) the written notice within five business days that reinsertion had occurred.

3. FCRA Violations by Experian 1. 611 ( a ) ( 5 ) ( B ) Reinsertion of Deleted Information Without Certification * Experian reinserted the account without first obtaining the mandatory certification of accuracy from the information furnisher.

2. 611 ( d ) Failure to Provide Timely Written Notice of Reinsertion * I received no notice within five business days of the reinsertion, depriving me of the opportunity to redispute the information.

3. 623 ( a ) ( 3 ) Duty of Furnishers to Correct and Update Information * By rereporting the account with the same underlying inaccuracies, Experian facilitated the furnishers continued violation of its duty to furnish only accurate, updated data.

4. 607 ( b ) Obligation to Follow Reasonable Procedures to Assure Maximum Possible Accuracy * Experians internal controls failed to prevent an obviously unverified, previously deleted account from reappearing on my file.

4. Harm Suffered * Creditscore damage that has impaired my ability to qualify for a mortgage.

* Financial and emotional distress, including hours spent addressing Experians noncompliance.

* Opportunity costs tied to higher interest rates and lost housing opportunities for my family.

5. Requested Relief I respectfully request that the CFPB : 1. Compel Experian to immediately delete the XXXX account from my credit file and bar any future reinsertion absent full statutory compliance.

2. Require Experian to provide written confirmation of the deletion within 10 days.

3. Investigate Experians reinsertion procedures to ensure systemic compliance with 607 ( b ) and611 of the FCRA.

4. Order Experian to compensate me for the damages resulting from its unlawful actions, including creditscore harm and related financial losses.

Please acknowledge receipt of this complaint and inform me of the actions your office will take. I trust the Bureau will enforce the FCRAs protections swiftly and ensure Experians full compliance going forward.

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