Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Date : XX/XX/XXXX To : [ Experian XXXX TransUnion XXXX XXXX send individually ] Subject : Dispute of Reinserted Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) To Whom It May Concern : I am formally disputing the reinsertion of the above-referenced XXXX  account into my credit file. This account had been previously removed due to being disputed as unauthorized or inaccurate, and it has now been reinserted on all three credit bureaus without proper notification.

Per FCRA 611 ( a ) ( 5 ) ( B ), you are required to notify me in writing within XXXX business days of any reinsertion of previously deleted information. I have not received any such notice, making this action a direct violation of my consumer rights. 

The current reporting is inaccurate, incomplete, and unverifiable, showing : Status : XXXX XXXX XXXX XXXX XXXX : {$0.00} No payment history No active account information or supporting detail I am requesting the following : Immediate deletion of this account from my credit file. 

A full copy of the reinvestigation results and method of verification used. 

Identification of the furnisher that supplied this information and any supporting documentation. 

Failure to comply will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and consideration of legal remedies under FCRA XXXX and XXXX, including statutory damages and court costs. 


Cease and Desist Letter to XXXX To : XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist Inaccurate Reinsertion of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : I am writing in regard to the XXXX account ending in XXXX  XXXX, which was previously disputed and removed from my credit file. It has now been reinserted without notification and is being reported as XXXX  and sold, despite being unauthorized and previously resolved. 

This is a violation of the Fair Credit Reporting Act ( FCRA ) and possibly the Fair Debt Collection Practices Act ( FDCPA ) if the account is being used to affect my credit standing after being challenged. 

You are hereby instructed to : Cease and desist all furnishing and reporting of this account to any credit bureau. 

Provide written confirmation that this account has been permanently deleted. 

Disclose the name and address of any entity this account was transferred or sold to. 

If these actions are not completed within XXXX days, I will file a complaint with the CFPB, FTC, and XXXX Attorney General, and I will seek statutory damages for noncompliance. 

I disputed the XXXX account in XXXX and it was deleted from all three credit reports. On or around XX/XX/XXXX, the same account was reinserted without any written notice, which violates FCRA 611 ( a ) ( 5 ) ( B ). The account shows no balance, no payment history, and still appears as XXXX XXXX XXXX XXXX  I did not receive investigation results, method of verification, or any documentation to justify the reinsertion.I previously disputed the XXXX account ( ending in XXXX XXXXXXXX ) and requested that it be removed from my credit report due to being inaccurate and/or fraudulent. After the account was removed, I asked the credit bureaus and furnishers for : Written confirmation of the deletion, The method of verification, All documentation used to verify the account, And notice of any reinsertion if it ever occurred. 

I did not receive proper notification when the account was reinserted, which violates FCRA 611 ( a ) ( 5 ) ( B ). I am now requesting a full explanation of the reinsertion and demand that the account be permanently removed.

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