Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Subject : Complaint Against Experian for Reinsertion of XXXX XXXX Account Without Proper Notice To Whom It May Concern, I am filing a formal complaint against Experian for improper reinsertion of a previously deletedXX/XX/XXXXXX/XX/XXXX account on my credit report. The account was originally removed in XXXX due to identity theft issues. I filed a report with the FTC, and XXXX XXXX was listed as one of the fraudulent accounts. When I initially disputed this account with Experian, they were unable to verify it, and as a result, it was deleted.

However, without providing the required five-day written notice, Experian has reinserted this account on my credit report. I submitted a dispute regarding this reinsertion, and within minutes of submitting it, Experian updated my report, stating that the account would remainwithout conducting a full and fair investigation. As per the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ), Experian is required to notify me within five business days if they reinstate a previously deleted account. They failed to do so. Additionally, under FCRA guidelines, I am entitled to a 30-day dispute resolution process, yet my dispute was seemingly dismissed within minutes of submission.

I believe Experians actions are not only in violation of FCRA requirements but also appear to be retaliatory in nature. I have previously filed complaints with the CFPB regarding Experians handling of my credit report, and now I am noticing irregularities that suggest punitive behavior, such as immediate dismissals of valid disputes and re-reporting of accounts that were already deemed unverifiable.

I am requesting the CFPB to investigate Experians conduct, ensure compliance with federal laws, and hold them accountable for these violations. I also ask that this fraudulent XXXX XXXX account be removed from my report immediately since it was reinserted without proper notification or verification. 

Please confirm receipt of this complaint and provide guidance on the next steps. 

Sincerely, XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXX XXXX XXXX, CT XXXX Email : XXXX Subject : Formal Complaint Against Experian for Improper Reinsertion of Disputed Accounts To Whom It May Concern, I am filing a complaint against Experian for failing to follow Fair Credit Reporting Act ( FCRA ) regulations regarding the reinsertion of previously deleted accounts on my credit report. 

On XX/XX/year>, I disputed the reinsertion of accounts that had been previously removed due to identity theft. However, on the same day, Experian responded stating that the accounts would remain on my report, without conducting a full and fair investigation. Prior to my dispute, I received no notification that these accounts would be reinserted, which is a direct violation of FCRA 611 ( a ) ( 5 ) ( B ).

Experian has now claimed that they have information suggesting that I knowingly opened these accountsyet they never provided this information to me prior to my dispute, nor did they offer any verifiable proof, such as an original contract with my signature. Instead, they have reinserted these accounts without notifying me in advance, as required by law.

FCRA regulations mandate that if a previously deleted item is reinserted, the consumer must receive written notice within five business days of the reinsertion. Experian failed to do this. Their actions indicate non-compliance with federal regulations, and I believe this conduct may be retaliatory, as I have previously filed complaints regarding their handling of my credit report.

I am requesting the CFPB to : 1. Investigate Experians failure to comply with FCRA guidelines.

2. Hold Experian accountable for violating the reinsertion notice requirement.

3. Ensure that Experian provides verifiable proof of the alleged debts or removes the accounts immediately.

Experian is not following proper regulations, and I ask that the CFPB take immediate action to correct these violations. Please confirm receipt of this complaint and advise me on the next steps. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX, CT XXXX Email : XXXX 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