Consumer complaint received 2025-04-08 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: MO

Complaint narrative:
CFPB Complaint Summary : Experian Reinsertion & Inaccurate Reporting XXXX XXXX XXXX and XXXX XXXX Accounts In accordance with the Fair Credit Reporting Act ( FCRA ), the following accounts have violated my federally protected consumer rights and confidentiality under 15 U.S.C. 1681 : XXXX XXXX ( Account Number : XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) ( Account Number : XXXX XXXX delinquency ) Upon reviewing my Experian credit report, I discovered discrepancies that constitute inaccurate reporting and unauthorized reinsertion.

Violations : 1. FCRA 1681e ( b ) : Experian has failed to maintain maximum possible accuracy, allowing the reappearance of previously disputed and deleted tradelines that are factually inaccurate and unverifiable.

2. FCRA 1681i ( a ) : I submitted disputes, including an FTC Identity Theft Report and documentation. Experian failed to conduct a reasonable reinvestigation and instead allowed reinsertion without proper review, correction, or deletion.

3. FCRA 1681i ( a ) ( 5 ) ( B ) : Experian reinserted both the XXXX XXXX and XXXX XXXX accounts without providing the required five-day written notice or certification, which is a direct violation.

4. FCRA 1681s-2 ( b ) : XXXX XXXX and XXXX XXXX failed to correct or delete inaccurate information after being notified of the dispute. XXXX XXXX even provided false responses to the CFPB, claiming I had not rectified payments for XXXX months, when their own internal records and screenshots prove otherwise.

5. The XXXX  Attorney General is currently investigating these accounts and their handling by the furnishers and Experian.

Score Manipulation ( Reinsertion Harm ) : XX/XX/year> : My credit score dropped XXXX points after Experian reinserted these accounts. 
XX/XX/year> : My score increased XXXX points after they were deleted. 
XX/XX/year> : The same accounts were reinserted again, dropping my score another XXXX points. 

This reflects the emotional and financial damage caused by Experians noncompliance. 

Requested Resolution : Immediate deletion of both the XXXX XXXX and XXXX XXXX accounts from my Experian credit report. 
Written explanation of the failure to notify me of reinsertion within the required 5-day window.

Confirmation that Experian will not allow any further reinsertions without full compliance with FCRA 611 ( a ) ( 5 ) ( B ). 
A copy of the method of verification from the furnishers which has yet to be provided despite repeated requests.

INTERROGATORIES 1. Identify the name, title, and contact information of all Experian personnel involved in the reinvestigation or reinsertion of the above accounts.

2. State whether Experian received certification from the furnishers before reinserting these accounts, as required by FCRA 611 ( a ) ( 5 ) ( B ).

3. State whether Experian provided me, the consumer, written notice within five ( 5 ) business days following reinsertion.

4. Describe in detail the method of verification used for each account after my dispute ( s ).

5. Explain why these accounts were reinserted following prior deletion.

6. Identify all third-party data sources relied upon during reinvestigation or reinsertion.

7. State whether Experian acknowledges any violations of FCRA provisions related to this matter.

I am currently exploring legal action and have begun preparing interrogatories and requests for admissions related to these violations. Should Experian and the furnishers fail to comply with federal law, I will proceed accordingly under FCRA 616 and 617 for damages and legal costs.

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