Consumer complaint received 2025-09-14 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: MO

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Re : Ongoing Violation of the Fair Credit Reporting Act Fraudulent Reinsertion of XXXX Account To Whom It May Concern, I am writing regarding the fraudulent reinsertion of a previously deleted XXXX account into my Experian credit report. On XX/XX/year>, I filed a formal dispute through the Consumer Financial Protection Bureau ( CFPB ) regarding this account, which was reinserted without the required notice or proper documentation. I have attached a copy of the CFPB complaint ( XXXX ) that clearly shows the date the dispute was filed. 

Violations of the FCRA 30-Day Investigation Period Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), a consumer reporting agency must conduct a reasonable investigation of disputed information and complete it within 30 days. If the disputed information can not be verified, it must be deleted. It has now been more than 30 days since my dispute, yet the account remains, in violation of this statutory requirement. 

Prohibition on Reinsertion Without Certification Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( i ), a consumer reporting agency may not reinsert information previously deleted unless the furnisher of the information certifies that the information is complete and accurate. 

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) further requires that, if reinsertion occurs, the consumer reporting agency must notify the consumer in writing within five ( 5 ) business days and provide the name, address, and telephone number of the furnisher of the information. 

Experian has failed to provide me with any certifying documents, certifications of accuracy, or furnisher details that justify this reinsertion. This omission is a direct violation of the statute. 

Failure to Provide Supporting Documentation Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), when a dispute is concluded, the consumer reporting agency must provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted. Experian has failed to supply this required information, leaving me without proof or justification of why this account was reinserted. 

Penalties for Non-Compliance Under 15 U.S.C. 1681n ( Willful Noncompliance ), Experian is liable for : Actual damages sustained by the consumer, Statutory damages ranging from {$100.00} to {$1000.00}, Punitive damages, and Attorneys fees and costs. 

Under 15 U.S.C. 1681o ( Negligent Noncompliance ), Experian is liable for : Actual damages, and Attorneys fees and costs. 

Demand for Remedy I demand the immediate and permanent deletion of this XXXX account from my Experian credit file. 

I demand that Experian provide me with all certifying documents, furnisher certifications, and procedural details that were allegedly relied upon to reinsert this account. 

I further demand written confirmation within 15 days that Experian has complied with its obligations under the FCRA. 

Failure to comply will leave me with no choice but to pursue all remedies available under 15 U.S.C. 1681n and 1681o, including damages, attorneys fees, and regulatory escalation. A copy of this letter, along with all attachments, will be provided to the FTC and the CFPB for enforcement action. 

Sincerely, XXXX XXXX [ Attachments : CFPB Complaint 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