Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Michigan XXXX XXXX : SSN Date : XX/XX/XXXX Subject : Formal Dispute of Reinserted Account on Credit Report To Whom It May Concern, I am writing to formally dispute the reinsertion of an account on my credit report. This account was previously deleted, yet it has recently been reinserted without the required notification, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). Details of the Account in Question : XXXX XXXX Name : XXXX BANK DELAWARE Account Number ( Last XXXX digits ) : XXXX Date Opened : XX/XX/XXXX Date of Original Deletion : XX/XX/XXXX Approximate Date of Reinsertion : XX/XX/XXXX Under FCRA Section XXXX ( a ) ( XXXX ) ( B ), I must be notified within XXXX business days if a previously deleted item is reinserted into my credit file. I did not receive such notification. I am therefore requesting the immediate and permanent removal of this account from my credit report. Enclosed are copies of my identification and the original deletion notice ( if available ) for verification purposes. XXXX USC XXXX reflecting late payments onto my consumer report, which is a violation of my consumer rights. No interaction between a creditor and a consumer maybe communicated without my written permission and I do not give the following accounts or companies any permission to report these late payments please update and remove these late payments from my consumer report .. Account name XXXX  XXXX BANK Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit card Late payments XX/XX/XXXX Delete this entire account which is my right under XXXX USC XXXX The following hard inquiries are a result of identity theft. A car dealership ran my credit several times with out my knowledge or permission. Per XXXX U.S. Code XXXX - Aggravated identity theft. 
These companies/ data furnishing companies do not have my permissible purpose to report on my behalf on my consumer report pursuant to XXXX XXXX XXXX Per XXXX USC XXXX Permissible Purposes, I want this hard inquiry removed from my consumer report. 
The following inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately XXXX XXXX XXXX XXXX XX/XX/XXXX Account name LEAD BANK This account is reporting with charged off with a balance of {$130.00}. This is a charged off account and I have not received a XXXX document altering this debt to be filed. Must remove this account effective immediately, which is my right as a federally protected consumer pursuing to FCRA and XXXX XXXX of the XXXX code Please correct this matter promptly and provide a written response within the XXXX time frame mandated by the FCRA. 

Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX freeland XXXX Michigan XXXX XXXX : SSN

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