Consumer complaint received 2025-02-23 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: CA

Complaint narrative:
I am submitting this complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) committed by Experian and XXXX, including unlawful reinsertion of previously deleted fraudulent accounts, failure to notify me as required by law, and continued misreporting of inaccurate information. 

Issues Identified : 1. Illegal Reinsertion of Previously Deleted Accounts ( FCRA 1681i ( a ) ( 5 ) ( B ) ) Experians fraud department previously investigated, deleted, and blocked two XXXX accounts. 
Despite this, the same accounts have reappeared on my Experian credit report without proper notification. 
Experian did not send me the legally required written notice within five business days of the reinsertion, which is a direct violation of FCRA 1681i ( a ) ( 5 ) ( B ).

2. Failure to Maintain Reasonable Procedures to Ensure Accuracy ( FCRA 1681e ( b ) ) Experian is legally required to maintain reasonable procedures to prevent the reinsertion of previously deleted, fraudulent, or inaccurate data.

By allowing these accounts to be re-reported without validation, Experian has demonstrated willful non-compliance with FCRA 1681e ( b ), which mandates maximum possible accuracy in consumer credit reporting.

3. XXXX  Continued Reporting of Inaccurate Balances ( FCRA 1681s-2 ( a ) ) XXXX  continues to report a balance due on these accounts despite them previously being deleted as fraudulent. 
If these accounts were charged off or sold, the balance should be {$0.00}. 
Experians failure to prevent XXXX from misrepresenting my financial obligation constitutes an FCRA violation under 1681s-2 ( a ). 

4. Failure to Provide 1099-C for Canceled Debt ( IRS & FCRA Violation ) If XXXX has charged off these debts and reported them as a loss, they are required under 26 U.S. Code 6050P to issue a 1099-C cancellation of debt form. 
I have never received a 1099-C from XXXX, which suggests either unlawful continued reporting or failure to comply with federal tax laws. 

5. Re-Aging of Accounts to Extend Negative Reporting ( FCRA 1681c ( a ) ) These accounts were closed in XXXX, yet Experian is reporting late payments in XXXX and XXXX, which suggests illegal re-aging to keep negative items on my credit report longer than legally permitted under FCRA 1681c ( a ). 
This deceptive practice violates consumer protection laws and damages my creditworthiness. 

6 Willful Non-Compliance & Negligence ( FCRA 1681n & 1681o ) Experians failure to comply with FCRA reinsertion guidelines, failure to notify me, and failure to properly investigate these disputes constitutes willful non-compliance under FCRA 1681n, making them liable for statutory and punitive damages.

Additionally, Experian may be liable for negligent non-compliance under FCRA 1681o for failing to investigate and correct these violations.

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