Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Subject : Formal Complaint Against Experian FCRA Violation Due to Unauthorized Reinsertion of Deleted Account Dear CFPB, Please help me. Im submitting this formal complaint against Experian for violating my rights under the Fair Credit Reporting Act ( FCRA ). I am urgently requesting the immediate removal of an account that was previously deleted from my credit report and then reinserted without proper notice or verification. 

Account Information : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Reinsertion : XX/XX/year> What Happened : On XXXX XXXX Experian removed this account from my credit report following a dispute I filed due to incorrect information. That deletion should have been the end of it. But to my shock, I found out on XX/XX/year>, that the same account was quietly reinsertedwithout telling me and without providing any proof that it was accurate. 

This isnt just a mistake. This is a clear violation of my rights under the FCRA. 

Violations of the FCRA : Section 611 ( a ) ( 5 ) ( B ) : Experian reinserted an account that was previously removed, without getting a proper certification of accuracy from the furnisher. Thats illegal under this section.

Section 623 ( a ) ( 3 ) : The information reported was never corrected or updated before being added back. Thats a direct failure to ensure accuracy and violates the duty of the furnisher.

Section 611 ( d ) : Experian never sent me written notice within 5 business days that the deleted item had been reinsertedanother serious violation of my rights.

Section 607 ( b ) : Experian failed to use proper procedures to guarantee the maximum possible accuracy of the information before putting it back on my report.

How This Has Affected Me : My credit score dropped, which has made it harder to qualify for a mortgage.

Ive lost time and energy trying to fix a problem that shouldnt exist.

My plans for homeownership with my family have been delayedthis has affected my peace of mind and my mental health.

What Im Asking For : Remove the reinserted account from my Experian credit report immediately.

Send me written confirmation that it has been removed and wont come back without proper verification.

Investigate Experians reinsertion practices to prevent this from happening to anyone else.

Make sure my rights under the FCRA are respected going forward.

Consider compensation for the damage this error has caused to my credit and financial future.

Please acknowledge this complaint and let me know what steps will be taken. I trust the CFPB will ensure this is handled seriously and resolved quickly. No one should have to go through thisespecially when the law is clear. 

Thank you for your time and support.

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