Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian Dispute Department po box XXXX XXXX, TX XXXX Subject : Formal Dispute Regarding Account # XXXX Dear Experian Dispute Department, I am writing to formally dispute the inaccurate reporting of Account # XXXX, furnished by XXXX XXXX Bank XXXX, on my credit report. This account was previously deleted from my credit file but has reappeared without the legally required reinsert notification, in direct violation of the Fair Credit Reporting Act ( FCRA ). Additionally, the account is reporting inconsistent late payment information, alternating between XXXX and XXXX, which further demonstrates inaccuracies in the data being reported. 

Violations of the Fair Credit Reporting Act ( FCRA ) : Failure to Notify of Reinserted Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) : The FCRA mandates that if previously deleted information is reinserted into a consumer 's credit file, the consumer reporting agency must notify the consumer within five business days. I have not received any such notification regarding the reinsertion of this account.

Failure to Assure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) : The FCRA requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. The inconsistent reporting of late payments for this account ( alternating between XXXX and XXXX ) clearly violates this provision. 

Failure to Conduct a Proper Reinvestigation ( 15 U.S.C. 1681i ( a ) ) : The FCRA obligates consumer reporting agencies to conduct a thorough reinvestigation of disputed information. The continued inaccuracies in the reporting of this account suggest that Experian has failed to meet this obligation.

Reference to Recent CFPB Lawsuit Against Experian : I would also like to bring to your attention the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian on XX/XX/2025. The CFPB alleges that Experian has engaged in unlawful practices, including conducting sham investigations of consumer disputes, failing to delete inaccurate information, and improperly reinserting previously deleted information without adequate procedures to ensure accuracy2. These allegations align closely with my experience, further underscoring the systemic issues within Experian 's dispute handling processes.

Personal Impact : As a consumer, I feel victimized by Experian 's failure to uphold its legal obligations under the FCRA. The inaccurate reporting of this account has caused undue stress, financial harm, and damage to my creditworthiness. I rely on accurate credit reporting to access fair financial opportunities, and Experian 's negligence has jeopardized my ability to do so. 

Requested Resolution : I request that Experian : Immediately delete Account # XXXX from my credit report. 

Provide written confirmation of the deletion. 

Implement measures to ensure compliance with the FCRA and prevent future inaccuracies. 

Please consider this letter as a formal dispute under the FCRA. I expect a response within the legally mandated timeframe of 30 days. 

Thank you for your prompt attention to this matter.

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