Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX TX XXXX Subject : DEMAND FOR IMMEDIATE REMOVAL OF ILLEGAL REINSERTION FCRA VIOLATION FINAL NOTICE BEFORE LEGAL ACTION I am writing to address an outrageous violation of my rights under federal law. You have unlawfully and knowingly reinserted an account that was previously deleted from my credit report without providing the legally required notice. This is a direct and willful violation of the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 5 ) ( B ).

The following account was previously deleted after a lawful dispute process, but it has now been reinserted on my credit file without : Written notice of reinsertion within five ( 5 ) business days, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ) Certification of accuracy from the data furnisher, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ( i ) XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Let me be perfectly clear : this was not a clerical error. This was a deliberate, fraudulent act that has caused me serious and measurable harm. Because of your illegal reinsertion of this account, I was denied a mortgage loan that would have allowed me to purchase my first home. Your unlawful actions have directly caused me to lose thousands of dollars in earnest money, legal fees, appraisal costs, and to suffer extreme emotional distress. I will no longer tolerate your reckless disregard of my rights. Per 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), you were required to do the following 1 of 2 1.

2.

Obtain a certification of accuracy from the furnisher of the information Provide me with written notice of the reinsertion within five ( 5 ) business days You did neither.

This is an act of : Fraudulent reporting Deceptive consumer practice Intentional financial harm I am demanding the following, effective IMMEDIATELY : 1.

2.

3.

Permanent deletion of the reinserted account A written explanation of why this account was reinserted without proper certification and without notice to me Certified proof of compliance with FCRA 1681i ( a ) ( 5 ) ( B ) I am fully prepared to take aggressive legal action if you do not comply.

If you fail to correct this violation within five ( 5 ) business days of receipt of this letter, I will immediately : Pursue civil claims for defamation, financial harm, and emotional XXXX  damages File a federal lawsuit under FCRA 1681n ( willful violations ) and 1681o ( negligent violations ), seeking full statutory, actual, and punitive damages File regulatory complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney General Publicly disclose your unlawful practices to national media outlets and consumer watchdog organizations

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