Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Comprehensive List of Violations Reinsertion / Reinvestigation Violations ( CRAs ) Santander previously deleted Unauthorized Reinsertion without the required certification and written notice within XXXX business days - FCRA Unreasonable Reinvestigation and failure to consider all consumer-supplied information - FCRA 611 ( a ) ; see XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ; XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. 
XXXX ). 
Failure to maintain reasonable procedures to assure maximum possible accuracy - FCRA $ XXXX ( b ). 
Failure to conduct a reasonable investigation and review of all relevant information after XXXX XXXX - CRA XXXX ( b ) - ( B ) ; XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 
Failure to report the results to all CRAs and correct/delete inaccurate information - XXXX ( b ) ( XXXX ) ( C ) - ( XXXX ) no notes of dispute on any of the cra reports XXXX CRA reporting account open and reporting through all of XXXX the other XXXX reporting different dates of being closed. XXXX report reports charged off the other reports sold and no one can tell me who has the right to collect or report Missing fields : Original Creditor ( Field XXXX ) and Company Sold ( Field XXXX ) - violates XXXX XXXX completeness. 
Omission of XXXX XXXX when reporting charge off status - XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX / XXXX & XXXX XXXX. Furnishing of information that lacks integrity, accuracy, and completeness - FACTA amendments to XXXX ; XXXX XXXX. XXXX XXXX ( a ) and implementing accuracy/integrity guidelines. 
XXXX XXXX XXXX XXXX XXXX. Simultaneous reporting of " past due '' after charge off/closure - misleading under IRS XXXX XXXX. {$1.00} / XXXX XXXX. XXXX ( baddebt chargeoff ) and contrary to XXXX. XXXX, XXXX duties to provide correct account status. 
Damages and Harm to Reputation Your unlawful reinsertion and inaccurate reporting have caused and continue to cause : Reputational harm through false portrayal of delinquency and excessive utilization ; Credit denials/ adverse action and loss of access to favorable credit terms ; Increased costs of credit ( higher APRs, deposits, insurance premiums ) ; Time and outlof pocket expenses spent disputing and mitigating the errors ; Emotional distress attributable to ongoing publication of false information. 
I therefore seek relief under : FCRA XXXX ( willful noncompliance ) : actual damages or statutory damages of $ XXXX {$1000.00} per violation punitive damages as the court deems proper, and reasonable attorneys ' fees and costs ; FCRA {$16000.00} ( negligent noncompliance ) : actual damages and attorneys ' fees and costs ; Any additional equitable relief necessary to restore my credit reputation, including deletion of the tradeline and dissemination of corrected information to all recipients. 
Demand for Remedy Immediate deletion of the XXXX XXXX from all consumer reporting databases ; Written certification of reinsertion compliance and the complete eMOSCAR XXXX XXXX ( ACDV/CDV logs, reinsertion certifications ) ; Written confirmation that all reinvestigation steps complied with XXXX and XXXX ( a ). 
If you fail to comply within 15 days, I will initiate binding arbitration and/or civil litigation to recover the above

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