Consumer complaint received 2025-08-24 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: OH

Complaint narrative:
I am filing this complaint against Experian regarding unlawful reinsertion of a previously deleted account and systemic violations of the Fair Credit Reporting Act ( FCRA ). 

The account in question is the XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX, Account Number : XXXX, which was previously deleted from my Experian report following disputes and documentation establishing identity theft under FCRA 605B [ 15 U.S.C. 1681c-2 ]. Both XXXX  and XXXX  permanently deleted this same account after reviewing the same evidence, including my FTC Identity Theft Report and supporting documentation. Despite this, Experian has now reinserted the account with derogatory late payment notations and a balance exceeding the original credit limit. 

This reinsertion is unlawful for multiple reasons : XXXX. FCRA 611 ( a ) ( 5 ) ( B ) Experian failed to provide me with the required notice of reinsertion and failed to obtain certification of accuracy from the furnisher before re-reporting. This is a direct violation of federal law. 
XXXX. FCRA 607 ( b ) Experian has willfully and negligently failed to maintain maximum possible accuracy. Reporting late payments in 2025 on a closed, fraudulent account is inaccurate and misleading. 
XXXX. FCRA 605B ( c ) ( 1 ) Once I submitted my identity theft report and proof, Experian was legally required to block the information. Its failure to do so, while other CRAs complied, shows disparate and unlawful treatment. 
XXXX. FCRA 611 ( a ) By verifying this account without providing me evidence of investigation or method of verification ( MOV ), Experian is engaging in negligent and reckless reinvestigation practices. 

This unlawful reinsertion is damaging my creditworthiness and violates my rights under federal law. I demand the following relief : Permanent deletion of the XXXX XXXX XXXX Bank account from my Experian credit report. 
Full explanation of why Experian reinserted this account without notice, certification, or legal authority. 
Compliance review by CFPB for systemic reinsertion practices affecting consumers. 

It is important to note that both XXXX  and XXXX  have permanently deleted this Apple Card account based on the same FTC Identity Theft Report and supporting documentation that was provided to Experian. Their removal confirms that the account is unverifiable and fraudulent. Experians decision to reinsert the account while the other two nationwide CRAs have deleted it highlights Experians failure to comply with FCRA standards of accuracy and fairness, and demonstrates disparate and unlawful treatment of my consumer file.

Experians actions demonstrate willful noncompliance with the FCRA and have caused measurable financial harm. I request immediate enforcement action, permanent deletion of this account, and potential civil penalties against Experian for repeated violations of federal law.

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